How do people afford EVs

Current Events

I want a new car, have had the same two for like 7 and 10 years respectively, they've been paid off forever. All the decent looking EVs are like 45k starting, even if I put down 20k and trade in a car I'm still looking at like 500 a month payments wtf. Do people just go into massive debt for these things?
RS3: UltimaSuende
https://letterboxd.com/BMovieBro/