It is written in first person point-of-view, therefore I agree with how the author has wrote this. I would use the same, as it describes how he feels and what he is thinking. Hope this helps. :)
Because he loes a lot and yes
Answer: Anyone who has not purchased a car before
Explanation:
An intended audience simply refers to the person or people who a story, text I paper is directed to.
In the sentence, the intended audience is for first time car buyers. The information given in the sentence relating to cars is for people who haven't bought a car before. Those kind of people are the first time buyers.
People who arrange car loans, older customers and loan car dealers aren't considered as first time car buyers.