Cars are fitted with a clever wallet sensor. When the wad bulges (holiday money, Xmas spending trip etc. etc.) a little something, say an indicator lamp, will blow. You struggle on for a couple days and then relpace the bulb. Whapumphhhhhhh, and down goes a tyre, and no sooner have you got that fixed when Twong-plunk there goes the clutch.
About the same time you accidently leave the boot lid open and flatten the battery as there is a nice courtesy light in there. Guess what, the battery won't hold a charge any more. It is, of course the depth of the coldest snap in five years and you have to trudge to the garage for new parts.
Only when the wallet sensor is truly satisfied that all folding stuff has been spent, cards are banging or beyond their limits, and you have humiliated yourself with all your friends by being late, or not turning up because of car trouble, begging lifts and favours, and have taken out lifetime subscriptions to "What Car" and "Motor Buyers' Weekly" will the darling car stop asking for more expensive parts.
The joys of motoring.
P.S. Your Insurance is about due now!