Captive financing companies using insurers for residual values?

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Always been curious about this because i have never been able to negotiate a lower buyout, which makes me think the finance company has mitigated the risk of a substantial loss in value using some form of insurance.

Even with the huge upfront discounts on EV’s, I think most of the leases will still be way under their residual value by the end of the lease.

I wonder if this might change the game on lease buyouts, could manufacturers start offering incentives to get you to buyout your lease.

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There is no doubt the leasing companies will be killed 2-3 years from now when everyone starts turning in these cars. But that’s a 2-3 year from now problem. On the other hand, executive bonuses at said leasing companies are paid at the end of this year. And this year will look terrific. Same mentality really, as the MBS debacle in the late 2000s. Who cares what happens tomorrow? I’m getting my money today.