For me personally, this comment rings true, but the reality is that if you do feel this way (like I), then you were never the audience for this add. Believe it or not, still plenty of people out there with buy-a-car-as-a-present kind of money.
Think lottery winner, successfully YouTuber buying their parents a car as a thank you, plain old old money types ...
There are people out there that can give a 100k+ gift to their partner other.
According to Google there are about 1.3 million households that make over 500k a year in the United States. That's not a big number compare to the total population but it's a big number.
Those families and many others are able to afford something like that if they want too. Notice the homes in those commercials are always very nice aswell. If you cant afford that, then you are simply not the target audience.
I think you underestimate how rare it might be. Even people who are worth 5 to 20 million don't buy cars in gifts in a single handed decision.
Maybe you are talking about people who have too much fuck you money. Billionaires.