Why is life in America so complicated? I see this as something abusive and I know I have

Why is life in America so complicated? I see this as something abusive and I know I have no credit but I have to pay almost a $15,000 difference for a car worth $20,000? Honestly, I need a car but I don't think I'd risk going into that much debt.
Why is life in America so complicated? I see this as something abusive and I know I have