No, it is clear! They would NOT. Even back when Chase Auto Finance experiments with Volvo ten year loans it was Volvo which paid the consequences. Commercial finance companies operate captives and offer subvened financing at times.
This industry is roughly a century old and has entrenched business practices, in most countries with consumer/ commercial finance. OEM’s and/or distributors and/or dealers all are part of the same practices, with Credit unions/sparkassen as major participants with marginally different business practices. Nobody in thus industry gives anything away without somebody paying the price. ‘Subvention’ is the word for these and they come in credit risk, interest rate, residual value, and captioned cost flavors, including consumers, fleets, government fleets and company cars all with slightly different features.
Some features are arcane enough that only the developers actually know the details. Think consumer finance leases as a prototypical example. There are several others here who have worked in this industry. Each type of participants see the picture from a different lens.
Finance companies acting as 'captives' or similar tend to see net profits from end user and dealer, distributor and or OEM sales arm. Dealers see it in terms of markups on all Finance nd insurance products, plus high sales price on finance leases. Consumers and commercial customers almost never can see the whole picture. Only the largest dealer groups actually know or care about the details. FWIW, most captives make much higher margins selling insurance and extended warranty products that they do from financing. Dealers typically make well over 100% of profits from F&I. Yes, that means some new car sales are nominally unprofitable, made up by F&I. FWIW, hat is why offering a cash purchase is unwise with a typical dealer since they make their money on F&I.