Rule of 78s Auto Loans

I am writing this post out of sheer curiosity - I don't drive a financed vehicle in any event - but I want to know what vehicle purchasers thing of so-called "Precomputed" / "Rule of 78s" auto loans. I know that the "Rule of 78s" (a so-called prepayment penalty disguised as a rebate) front-loads interest and because there is no benefit of early payments, do borrowers really believe they can't pay more than the monthly minimum payment and/or pay off the loan in full in a single lump sump payment - in other words you can't make an "intermediate" payment i.e. if your monthly payment is 382.36 and you pay 750.00 one month what happens? Does modern accounting software allocate this correctly (I hope so . .. ) You should take notice that the "Rule of 78s" doesn't even address extra or early payments at all . .. all it does is "allocate" principal/interest payments . . . I am aware that precomputed loans are illegal on loans over 60 months or outright in some states as of 1992 . I do realize that if you pay the exact same amount each month under a "Rule of 78s" loan you would have paid the exact amount of interest as a simple interest loan if you simply dogged it each month. Most people want to get away from car loans appearing on their credit report not to mention all of the force blocked insurance . . .. .