Is it possible that the market does see MNY as an auto lender,...

Is it possible that the market does see MNY as an auto lender, and as such, is in the credit business.

And is it possible that aggregate, economy wide credit growth is falling rapidly? 

And just like the market is repricing the banks, for lower credit growth, and possibly softer broad economic conditions, the same thinking is being applied to MNY?

As the economy softens, and house prices continue to contract, and discretionary spending continues to fall, will MNY have to increase provisions for defaults etc?

I think its a great business, however i am quite bearish on the broader economy.