I'm a little more lax than many on here but I also have been taken more times than I should also.
the difference between a car payment and rent is if the car payment doesn't come, the dealer/lender has some collateral - the car. They take the car, get what $$$ they can and can still come after the purchaser. As a landlord, it's the opposite. Not only is there nothing physical to take, they actually have possession of what brings the $$$ in, our properties. We still have the end recourse the car dealer has but the middle of the equation isn't stacked in our favor like the car dealers.