Seen any (non-feathered) dinosaurs lately?
You defeated your own point with that parenthetical. If birds, turtles, crocodiles, mammals, sharks and many other branches of animal life all survived that last asteroid impact, why do you think it would be a threat to human survival?
The price of a loan is the interest rate. If you have a halfway decent credit rating, you can drive often off the lot with a new car at less than 1% interest rate. And the fact that people with "sub prime" credit can get a car loan at all is a sign of lower borrowing cost. In the old days, a jobless single mother wouldn't be able to get a car loan at any interest rate.
Remember to say hello to your bank teller.