I think that American cars are not built with planned obsolescence in mind nowadays, not like they used to be before the Japanese revolutionized the automobile manufacturing industry with the QC methodologies. Maybe the people where you live couldn't care less if those cars are designed to last more than 200k, but a lot of Americans do care, is my sense of it.
My car's getting older (Japanese, a Mazda) but I don't care all that much about it. With less than 30k on it, I figure there's no good reason to replace it. It doesn't have ABS, but I am a good and careful driver, it's not a concern for me. I think American's are likely keeping their cars longer than they used to, maybe not where you live, but they do last a lot longer, almost 3x as long as they used to.
I wouldn't take out a loan to buy a car, I'd buy it outright, myself. One of my bosses told me (an engineer) that he figured he'd never buy another new car, would always buy used. I think that might be the best idea, if you know what you're doing.