We are trying to decide how to help a family member who needs to buy a car, but does not have the money to do so right now. Instead of loaning the money to buy the car, three family members would like to pool their money to buy a car and then loan the 4th family member the car. The person would have to take out and pay insurance on the car. Once s/he is able to, s/he could make payments to purchase the car from the family or, if s/he decides s/he doesn't need the car in the future, it would be sold and s/he would pay to the family the difference b/t the original purchase price and the selling price. What would be the legal implications of this arrangement?