Why oh Why...

Would anyone develop such a thing as secured transactions, and why won't that super annoying guy's voice screaming PMSI not stop, in total desperation I re-listened to the entire Secured Transaction lecture last night (the benefit of having BarBri on an Ipod) and all I got out of it was that PMSI's are a sure way to give someone PMS and all future car buying has been ruined because it will now be accompanied by that voice screaming "PMSI, pay in cash so these guys can't repo your car if you go broke paying back your law school loans".  I wonder how many points they'll give me if I write that one as my answer and that I am a super light sleeper so there will definitely be a breach of peace if they try to repo my car, dirty dirty repo men or women. (In case you were worried, I have never missed a car payment and don't every expect to this is all just hypothetical angst against secured transactions)