I was at one yesterday I asked for the cost of the car he gave me a number and said it was a starting point. I said thank you and left. On the way home I bought the same car at @Carvana via my phone. I don't have time to negotiate with your finance guy and talk to three people.
This is a result of Congress being lazy for the last 40 years. He couldn't shut any of these payments down if they would have authorized them by law explicitly. But because they handed off so much of their authority to the regulatory agencies, there's now a gray area