Focus on the in-the-moment, on-the-spot money decisions we all make most days — As if it couldn’t get any more absurd. Last week, we discussed the inanity of a $1,000-plus car payment. Apparently, 15.7% of new vehicle buyers decided to go down this road at the end of last year. Now, we learn that, as of Q3 last year, 19% of new and…