If Ravi tried to book Ola/Uber at evening or even when it was raining, probably he will take a loan to buy car. Personal experiences creates personal choice.
₹20000/mo is the 5 year EMI of a 10L car for Ravi.
Instead, Ravi puts ₹20000/mo for 5 years in Nifty ETF SIP.
First decision gives him a car worth ₹4L in 2030.
Second decision gives him ₹17L of bank balance in 2030.
Life is about the choices we make.