Comment by Al-Khwarizmi

Maybe cultural difference issue, but your logic sounds odd to me.

Surely with $2000/mo income (which you describe as average for HK) one can afford an occassional one-time purchase of $3500, after some saving (or, although I wouldn't personally do this, with a loan).

Or even more than that: my country has a similar average income, and average people spend 20K on a car without a second thought. And no, it's not that the car is needed as opposed to the headset, because the need of going from A to B can be satisfied by a 5K second-hand car, no one actually needs a new one.