they know that people did not go for these options (especially with cars) because they only in need.

I'm just wondering, if the landlord asks for cheques and you won't pay him of course because you got no money ... What would be his assurance that you will pay him monthly in time??

Would it do them any good if i were sent to jail? Who is going to pay for the 3 or 5 years car loan monthly? The neighbors?

Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment. (Gautama Buddha)