Drive 36k miles a year and the car will quickly have a resell value of 0 and repair costs become more frequent. Insurance is probably the only true fixed cost that benefits from scale
(Where I come from, Australia, there are tax breaks that make 3 year old cars fresh off company-car leases pretty commonly available - many people structure their salary package in a way the strongly encourages them to lease a new car every 3 years, and off-load the previous one for often 35% of its original purchase price - and to have those cars get all their required dealer servicing done using pre-tax salary.)