Eighteen seconds in, the hyped-up-for-zero-reason narrator becomes slightly more socially responsible and suggests that quick-approval, crippling-interest-rate loans are a thing that exists if you find yourself in a dire financial emergency. But that's eighteen seconds in- which means it comes AFTER he's grabbed you with the stunningly irresponsible idea that putting gifts you can't afford under the tree in order to fool your family into thinking that you are financially secure is a totally normal thing anyone who finds themselves short of cash just before Christmas should Obviously be doing because hey, Christmas.
That's all I've got, because man, this is just so sad. And probably a hell of a lot more relatable than any of those Lexus December to Remember ads featuring luxury cars with bows or Lincoln ads featuring women fleeing palaces to sit in their cars or even Toyota ads featuring little children encouraging their mommies to just go ahead and buy a new car because it caught their eye as they were walking past the showroom. Certainly more relatable at the close of the Worst Year Ever for many, many of us. Good riddance, 2020, which unfortunately did not mark the beginning of regular financial peril for millions of hard-working Americans, just a significant boost in their ranks. I'd like to think we'll do better in 2021, but other than saying goodbye to the Disease that Shall Not Be Mentioned, it's more likely that the situation depicted in this ad is just going to be remain the Old Normal for way too many of us.