Are those numbers ball parked or just for example?

The average car loan has a 4% interest rate[1], and the average bank gives a paltry 0.06% interest rate[2].

I agree that if you can make a higher return investment than the rate on your debt, that's certainly profitable. I just disagree that it can be done so passively, at least today.

[1] https://www.valuepenguin.com/auto-loans/average-auto-loan-in...

[2] https://www.valuepenguin.com/banking/average-bank-interest-r...