He may be under a misconception because I may know what he is referring to. I know that right now lenders/banks who are financing a vehicle will not let the dealership outright buy the vehicle for my purchase price(example: my lease is ending on a vehicle and dealership wants it but I MYSELF do not want to sell it to them, the dealer would have to pay market value from the bank instead of what my personal buyout on the vehicle was promised to me after my finance ends for my lease).Wat? I sold my car to a dealer during covid and they paid it off and put $$ in my pocket. IDK where you got this but its not like this everywhere.
However, if said person wants to sell their lease vehicle they just have to "purchase" it first which is really just stuff the dealership would take care of anyway if they were going to purchase the vehicle. Lender has no idea what is actually going on and honestly doesn't matter if they do or not cause it is up to the current owner to decide what they do with their vehicle while they have it and have the right to do with it what they want.
Something may have gotten mixed up when explaining this as I was unaware until last year that dealers weren't able to buy out leases without the customer/said person first "purchasing" the vehicle prior to them buying it otherwise he is kind of right. It wouldn't be worth the dealer buying something they will make nothing off trying to re-sell.