I don’t get how its unreasonable to ask if the OP needs a car.
He’s asked for advice on debt and said what he wants to spend money on.
I know plenty of people that “need” a car for a sub 8 mile commute. Its more than reasonable to ask what its for as here on a cycling forum as he could pick up a £100 hack bike put the rest of the money towards repayments every week.
The comment about would you say the same if he was stood next to you in the pub after a ride. Yes every time I would say the same.