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Unpopular opinion: Anyone that does repossessions of any kind is a class traitor. Let the rich collect their own debts.
If you don't have auto repossessions happening, then that'll increase the risk to someone doing auto financing. Those aren't charities, aren't just issuing the money there as a grant, so it'd increase the cost and financial requirements to get automobile financing.
One might need to pay much more interest on an auto loan or simply not be able to get an auto loan at all and only buy a vehicle cash-up-front in that world.
Meaning car companies will either need to start making vehicles people can afford or the public pressure for public transportation will massively increase. Win-win.