The people who have made Cash for Clunkers such a success were fence-sitters - a Virginia family wondering whether to keep pouring money into what they called the "dog car," a Colorado couple hanging on to their Ford in case the children ever wanted it.
The clunkers program made it a no-brainer.
Or as Ron Johnson, a retired college financial aid counselor who was going from dealership to dealership in Manhattan recently in hopes of trading in his 1995 Pontiac, put it: "We're Americans. Life is a deal."
And this deal - up to $4,500 from the government for trading in your old gas-guzzler for a cleaner new car - simply proved too good to pass up. And it pushed thousands of Americans ambivalent about whether to ditch the old ride into a decision. Especially when it appeared the program was running out of money.
The Senate voted to approve adding $2 billion to Cash for Clunkers, which proved so popular it quickly burned through its original $1 billion.
With the economy appearing to stabilize, analysts figure the program drew far more participants this year than it might have six months ago. One Washington estimate this week suggested 300,000 Americans had taken advantage of the clunker rebates.
"People have some money saved up," said Michael Belch, a professor at San Diego State University who specializes in consumer behavior. "I know the economy is bad ... but we're not in the 1930s Depression here. People can go out and spend, and they are going to go out and spend."
Dealers say buyers are predominantly older drivers who own more than one vehicle and have a clunker to spare.
"These were not people that we would see normally," said Jim Paul, co-owner of four Pontiac-GMC-Buick dealerships near Minneapolis, suggesting sales at his showrooms could return to normal when the program expires rather than drop off, as some economists have suggested.
If Paul is proved right, the program could give the economy a legitimate lift.
Car companies say Cash for Clunkers made July their best sales month of the year. So far, 83 percent of trade-ins have been trucks.
The top clunkers turned in has been the Ford Explorer, followed by the Ford F150 pickup and Jeep Grand Cherokee.