I don’t understand how this works out badly for the person using a debit card. You pay for the vehicle and if they try to make you pay more you ask for proof and if you don’t get it you walk away.

Or do they require a collateral fee when renting?

What you really don’t understand is, AI making an original voice is a pipe dream. You can average out voices of many different people who all had their content stolen. Originality is outside of its training set.