And once again, anyone using a lease to finance the purchase of a car is trying to use a hammer to drive a screw - the wrong tool for the job.
This appears to be true for the Bolt, but not so for the Leaf and some other EVs. You seem to want to ignore the many people who don't qualify for the $7500 purchase credit; I think I'd get roughly $900 instead if I bought a new EV. For me, leasing a Leaf with a low residual, then buying it, would make great sense. Don't look at the exception here and call it the norm
I think it's the other way around - you're situation IS the exception and not the norm. The majority of those looking to purchase the Bolt likely qualify for the entire tax credit. The vast majority of those leasing plan to turn in the car at the end of the lease (or at least evaluate a purchase decision at that point in time). And leasing is still not designed as a way to finance the purchase of a car. It may or may not work out better in some situations, but that is not the intent - nor are they designed to be advantageous for those looking to purchase. The entire focus of a lease is to have the lowest possible monthly payment - this will often come at the expense of a high payoff at lease end and a bad deal for purchasing the car. The LEAF deals were/are an exception, and only possible because Nissan is knocking thousands off the effective price - either up front or on the back end by offering $$$ off the original agreed upon residual. It's possible (or even likely) that the same will wind up being true on the Bolt. I don't think anyone believes that a used Bolt will retain 60% of MSRP after 3 years and 36K miles.
Insisting that GM Financial should structure their lease program specifically to allow low income (or at least low tax liability - some wealthy people have little tax liability) customers a way to finance the car and get the $7500 tax credit is rather presumptuous. That situation would be a tiny percentage of the leases they write - the exception, not the norm.
GM Financial is NOT the only game in town. Many banks and credit unions offer auto leases.
Found that the CULA (Credit Union Leasing of America) is one source for your local credit union to utilize.http://www.cula.com/index.html
If you are looking to use the lease solely to get the tax credit, this would be useful:
2) Benefits to your Lessee
E) No Early Termination Penalties
Many auto lease programs impose penalties, even thousands of dollars if the lease is paid off early. Because the Lender Lease is simple interest, there is no “front loaded” interest to pay if the member terminates early. Instead of penalties like front loaded interest, the member is responsible for a market competitive purchase option fee (as disclosed in the lease agreement).
G) Can Convert To A Conventional Loan At Any Time
Lessees have the freedom to convert the auto lease to a loan (subject to lender approval) or to purchase the car outright, at anytime during the lease with no penalties.
Enter into a lease and finance the balance after the tax credit is applied as a CCR. Payments would likely be in the $500-$600 range on a 60 month loan. These numbers are without taxes and fees. If you cannot afford payments in that range, you cannot afford a Bolt (or any other $30K+ car). It's fairly basic math.
They have a residual calculator, but NO EV's are listed (that I could find), only PHEV's. The 2017 Volt residual at 3 yr/36K miles is 32% as are the Ford Energi offerings. The Prius Prime shows a 45% residual as does the Chrysler Pacifica Hybrid. Not sure if they will underwrite EV leases at all (may be too risky), but there are other sources out there.
Expecting GM Financial to change their policies to accommodate a small percentage of potential customers will in all likelihood result in nothing but frustration. Get over it and move on.