If you credit is really bad already, why not go out and buy a reliable car (Honda or Toyota) then let the bank take back your Dodge?

Nothing illegal or unethical about that. Repossession is part of the loan contract and you’d just be abiding by the terms of the loan agreement.

If enough people did what I suggested, the banks would stop making stupid no down-payment loans to depreciating assets. The underwriting would improve.