Don't get me wrong I get all the advantages of financing or leasing things like cars, my accountant is always harping on about it. I also understand that a lot of people can make good advantage of using credit cards and loans etc. For example at my last meeting with my accountant went through a whole presentation of how I could lease an electric car and could actually make money because of all the incentives that are currently running.
It has just never really been a route I have went down myself probably stems from the way my parents did things. To be fair at times not financing things has worked to my advantage as well. During the pandemic when I wasn't able to work for some time because I have always kept my monthly bills to an absolute minimum I was able to get by okay without having to sacrifice too much. I know many other self employed people who lost their homes, had to sell or give their cars back to the finance companies that owned them which greatly increased the stress they were under.
I have financed some things, donkeys years ago I bought a few electrical items on zero percent finance, but I never really felt comfortable with it. I haven't purchased anything using credit in maybe 12-15 years. I totally understand the reasons why some people can make it work for them, but its just something I have never been comfortable with and since going self employed it is something I have avoided all together. If things ever went completely tits up not having finance to worry about keeps my mind at ease. I did take out a bounce back loan when they were available as my accountant advised it, but I haven't spent a penny of the money, it has been sitting in an account I don't use ever since but I guess it's always there if I need it.
In terms of cars especially, I probably view cars slightly differently than others. I was lucky when I was young to be able to own quite a range of brand new cars but I haven't had a brand new car in a long time, I always buy used. I generally always have at least 2 cars one reasonably new car that I can rely on for work and at least one car that I just use for fun and with those I don't worry about it being reliable etc. so can buy much older vehicles to fill that need. At times I have been a bit silly and at one time owned 7 cars at the same time.

I try to be a bit more sensible now.
In terms of the 30k car I bought a year and a bit ago, yeah I could have financed it or even leased a brand new one through my business and there would have been advantages to that for sure, The way I looked at it though was the 30k was set aside for buying a car. If I had of done finance or leasing that 30k would have probably been spent on other things I didn't really need. The cost of owning the car and depreciation etc I am good with.
As I mentioned above younger people can often make silly decisions about things like cars so that they can show of that Insta lifestyle. My wee bro has a mate that pays £1200 a month for his car plus insurance etc. Because of this he has to live with his mum and dad and is always skint. Even my wee bro's girlfriend is the same, she earns about 2k a month but nearly half of that is spent on car payments. It is always about the flash in their friend group. A year or so ago my wee bro offered to give her 20k to just buy a car, but she actually said that she would be too embarrassed to be seen by her friends driving around in a 20k car (incredible, I thought it was disgusting). It is different for my wee bro he owns a reasonably successful business and basically afford to buy any car he wants under 300-400k and in the last year alone he has had a range rover, 2 Lambos' and he just bought himself a G wagon after buying a C63 a couple of months ago. A few of his friends are in the same position and have high end cars a few McLaren's, Ferraris etc. They never keep their cars long enough to worry about losing too much in depreciation. I guess that makes it harder for the ones in their group who can't really afford to live that lifestyle so they try to fake it. My wee bro changes his cars every 6-8 months and always has at least 2, nobody earning normal wages can really keep up with that.
I could probably just about afford to lease a low end Lambo or a Ferrari or similar but it would kill me having to pay out so much money every month, I would just constantly be worrying about it. At the moment I have 3 cars although I have pretty much given one of those to my mum, she wouldn't accept it as a gift this time as I have given her the last 2 cars she has owned so while she has been driving around in it for about 6 months or so everything is still in my name. My missus also has her own car as well. We own them all outright. Even my wee bro owns his cars outright as well, I guess it is just the way we were brought up it was always drilled into us to only buy things when we can afford it and if we can't afford it, to just wait until we could and that goes for pretty much everything.
I dislike paying monthly instalments for anything, obviously some things I do like our mobile phones and subscriptions to various things but given the option I will always choose a pay upfront method if it is available.