To be fair, a KB setup for an 03/04 Cobra cost about $7-8k when you add in all the bolt-ons, beef up the rear end and tune it. This is in addition to a car that cost $25k. It's not a bad deal, but a lot of money for most potential fox owners.
Full coverage insurance for an 03/04 Cobra also cost about $2200 per year for anyone under 35 years old. Here in NC, tax would be $200 per year. Interest on a 5 yr loan would be $2000.
Lets say for example, someone buys a Cobra for $25k and pays a $3k down payment -- at 5% interest on the loan, that would be $27,000. $2.2k per year insurance for 5 yrs would be $11k. 5 yrs tax would be $1k. Total cost of ownership would be $39,000 over 5 yrs.
With a fox, someone could get a fairly clean and reliable one for $3500 and pay cash. They wouldn't need full coverage insurance so figure $400 per year which would be $2k over 5 yrs. Tax would be about $20 yearly. Total cost of ownership would be $5600 over 5 yrs with no car payment or high insurance payment.