Also different priorities.
In Germany there is a stereotype that young guys from migrants from the south east (Turkey / Afghanistan / etc.) always have big expensive cars. Brand new Mercedes in their twenties. Conservative Germany see that and can only wonder how someone can have something at that young age. It must be stolen, from money laundering in those weird shisha bars. Must be something illegal.
The thing is, Germans prefer other things in life. They don’t show pride in owning something expensive, they don’t want to make someone else jealous. Your neighbors won’t congratulate on your brand new Porsche. They will envy you and probably think you didn’t deserve it. Thing is, those migrants don’t think that way. They are not jealous if you show up with a Mercedes.
So when young men spend the money on a risky loan for an expensive car, it doesn’t make sense to conservative Germans, therefore those young boys didn’t do it and therefore it must be stolen or somehow illegal. In addition I recently learned that to own such a car people will also share it with close friends and instead of having 3 shitty cars they share one luxury car instead. Not many people see your house/flat but wherever you go, people see your car, or cloths or jewelry therefore those things are more important to other cultures than to yourself.
Different priorities, different choices. For you it’s a fake facade, for their circle it is a sign of pride in their belongings. Don‘t project your expectations on others.