1. Depreciation. The greatest depreciation will be in the first year, and will decrease in amount for the next four years. So, Buying a used car for its depreciated value allows a buyer to sidestep the worst years of depreciation. This is not model dependent. That used cars are expensive doesn't mean that those cars are depreciating more in years 5 and 6 than in years 1 and 2. 2. Differences in supply. For most cars people want, supply is better now than it was two years ago. This will influence prices. 3. Inflation. If the USD loses half its value from 2020 to 2026, a seller who gets the full nominal price of that car when new in 2020 is only getting half the value he paid.
Ya sorry Im not saying that I don't understand you, I certainly do. Im saying I don't know what ur talking about with affordable used cars because in my area, anything considered reliable is outrageously priced on the used market, besides maybe absolute base model VW Jettas. Thats it.