Yep. A car ain't an investment. The biggest mistakes I ever made when I bought my first car were getting a loan through the dealer (6.9%) and adding stupid, unnecessary stuff to the loan like the extended warranty and VIN etching (I loved the car, it was my first big purchase and I was dumb). 

I get this woman's frustration, but  she's not necessarily losig anything unless she trades the car in next week (and she'd lose doing that anyway).