Sedan/Hatchback = Low Value
Yeah Corollas and Civics are nice, but you can't hitch a 4000lb trailer to it, or haul a bunch of 2x4s from Home Depot. Why do you think Ford and Chevy stopped making cars altogether?
So the $800/mo payment has been standard, even before Covid. It's worth it to accident prone Female Drivers cause even if they cause a crash they'll walk away unharmed. It's worth it to Elderly people with bad knees and backs cause they don't have to crouch down upon entering, or rise up upon exit.
And let's not forget alot of "sneaky links" be happening in vehicles. Even if the chick is 110 lbs it's going to be painful trying to smash her in the backseat of a Hyundai Elantra.