Picture this. 1992 -- 17 year old me driving my 1979 Mercury Capri behind my friend Suzi in her 1985 Ford Escort. We are headed in a caravan to pick up my date for a dance. I look down at the radio to change the station (right? Not texting, when we needed to look down to change FM presets.), when Suzi decides to make a last minute stop at a store and slows to turn. Looking up, and slamming on the brakes, my 1979 rear drums locking... bump! Bumpers meet at low speed. We all get out. Tiny scratch in her rear bumper -- not a big deal for a couple of HS beater cars.
Fast forward 2-3 days. Suzi calls and says her dad wants to fix it. Shop quote?? $980. $980 to fix the rear bumper on a Ford Escort... I had to pony up that $980 from my savings working at the bike shop.
$3000 thirty years later to fix a rear bumper on a big family SUV? Maybe not so out-of-line.