Well qualified buyers?

What is a well qualified buyer? I see these car ads on TV that spout all this bull about 0% financing and huge discounts to "well qualified buyers". How damn arrogant can they get? For the rest of us peasants, car ads are just a nuisance anyway. I don't know anyone who, after watching a car commercial, rushed out and bought a car. I think the people who need the low interest and discounts are the ones who don't have a bunch of cash sitting around. The only people I know who took advantage of 0% are people who could have bought it outright.
The ads are also misleading. They show a car with all of the leather and "must have" gadgets speeding down the street while they tell us that prices start at $21,000. You have to quickly read the fine print to see that the actual car you are watching is $38,999.
We have local mobile home ads that do the old bait and switch. I saw one last night that claimed they could sell someone a 28 x 80 doublewide for $34,999. They don't tell you that they are already figuring in the $8000 tax credit. They also don't tell you that the one they are panning through during the commercial is not the $34,999 one. One other thing to consider is that the mobile home price works out to about $19 per square foot. Current new construction on a reasonable quality house is in the $100 per square foot range. You have to wonder how good the deal really is.