USA's dire sales for October 2008 - How GM screw their own arse

We know car markets are on the downfall, and automakers have been trying every conceivable way to ease themselves off anymore financial risks. We all know bankers are also trying to de-leverage by cutting off giving out loans to the car buying public, seeing that cars are a major depreciating purchase. However, when we look at this chart, we could see that there's only two brands registering an increase in sales over prior year, Audi and Mini. As for company, GM registered a staggering decline of 45% in sales. What's the contributor? GMAC, the financing arm of GM decided its not worthwhile lending money to car buyers who buy their own cars, and this in itself, thou cutting risk and de-leveraging their own business, had resulted in a huge decline in demand. How short sighted can this be? Do they need us to tell them how short sighted these overpaid executives are? The core business of GM is to make and sell cars, GMAC is there to assist GM in selling cars, if GMAC is not doing so, what's the point of saving itself? In fact if they screwed GM, they themselves would be in the gutter in no time. It's also an ironic thing that when GM raises its credit score to 700, a rating score that qualifies perhaps those buying Bentleys or RRs, Toyota is offering 0% loans for customers who buy their trucks and SUVs. Idiots.