OK, now you're just using semantics to change your argument.

Regardless, the stair-step incentives is just ONE of many examples I can provide.

The backlash against TrueCar's initial business model showed there were some dealers selling vehicles for below cost, in hopes of making up the difference with add-on sales. Whether these dealers made up the profit difference on the whole does not change the fact that at least some of those customers purchased vehicles at a profit loss to the dealer.