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Regardless of what anyone can or can't afford, the comment is meant as an insult. It's like saying it's a sissy's car, not a "real man's car", and so on and so on. People will never run out of ways to denigrate someone else's car (or stereo, or house, or job, or body, etc, etc). Pretty silly, really. Says more about the person making the comment than anything else.
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