Don’t understand the hate for car payments

You only live once, all we do is work our life away and if I want a nice car with a $400-$500 a month car payment then I will. I really want the 2025 Mazda3 Sedan, it’s a nice and reliable car so why not get it? I have a 2016 Chevy now. It’s impossible to find a good cheap car with a good interest rate and low mileage. And buying a new car you have the comfort of having a warranty and getting repairs at the dealership