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Did David Lewis below read the cases on appeal? Dealers in many cases do not make "a few bob" (and if they did, no harm in disclosing this), they made "a ****ton of bob" and were in many cases incentivised to make the maximum possible upcharge (having carefully weighed the buyer's wallet and credulity with the expertise that only years of sharp practice / outright dishonesty can bring). And yes, if I looked at a finance arrangement and realised the dealer was taking 50% (etc) of a substantial interest charge for itself, I would refuse the finance. Which is why these relationships and their terms were concealed by the industry.