Cannot afford car is your own subjective idea. I earn about 100k/year and had 60k cash left after paying in full for a car.

I know someone worse off...taking full loan for house and renovation, and also full loan a car.

There's lots of dealers selling cars with loans and some car owners literally do not have the cash to pay it off immediately if they needed to.

So to claim that you cant afford a car as you have 500k cash and 150k TC (whatever that means) is no less than yucky humble bragging. Eew eew eew.