It's not a rip-off. Stop complaining. The payments do vary quite a bit based on where you live. If you buy something that is around the same cost as a new Ford Taurus, which is what they base the payments off of, you will not lose money at all and will be able to bank some for wear and tear, tires, etc. If you buy a Mercedes, well, that's your prerogative, but you will be covering some of that cost...obviously. If you don't drive a whole lot of miles, doing more in the city, and get a low cost lease, you will be banking more money. It all depends on what you choose. If you choose an expensive car, don't bitch when the company isn't floating the whole payment. A horrible bottom of the barrel cheap company car is no better than a Taurus anyway. This gives CHOICE.