But it is YOUR money every month that your deciding to pay or not
Yes, but in your case, your money is being used to pay back a loan, you quit paying and someone shows up at your door and takes your car. You don't own your car until you pay back the loan. In my case there is no loan and the car is mine. The money I use to buy the car is "My" money, you are using someone else's money. I pay no interest and you do. I am not willing to give a stranger "My" money, so no ADM. If you don't mind paying an ADM or going further into debt, go for it, as long as I don't have to pay.
I'm happy, as long as you don't try to tell me how to spend "My" money.