Why do so many auto dealerships and banks want to repossess vehicles so early for hardly any reason?

The truth is that in the USA, bank really do not want to repossess your car. What they really want is the money that you borrowed from them. A repo is more often that not a losing proposition for the bank. They have to pay to repo the car. Then they sell it at auction and bill you for the shortfall. But if you had the money in the first place, you probably wouldn't have defaulted on your loan. So they have to sue you, get a judgment and try to collect. Believe me...they would MUCH rather get you current.