10-year Toyota lease, 50% balloon at the end — lower EMI now or a debt trap later?

DFCC Bank and Toyota Lanka just launched Sri Lanka's first 10-year lease for brand-new Toyota passenger cars, with up to 50% residual value built in. The pitch: monthly payments drop by roughly 20% compared to a normal 5-year lease, which matters when interest rates and vehicle prices have both stayed high. But that 50% residual isn't forgiven, it's a lump sum due at year 10, and if you can't pay it you're pushed into a fresh 5-year lease at whatever rates and rules apply then, on a car that's already a decade old. Supporters say it finally makes a new car reachable on an ordinary salary instead of stretching for a used import. Critics say it's a deposit-sized bill waiting at the end of a decade, on a vehicle whose resale value by then may not cover it, basically a rent-to-maybe-own deal dressed up as ownership. Would you take a 10-year lease to afford a brand-new car today, or does the balloon payment scare you off? If you've done a long lease with a residual/balloon clause, what actually happened when it matured? දශකයක් ගතවූ පසු ගෙවිය යුතු විශාල 'balloon' වාරිකයක් ගැන ඔබේ අත්දැකීම කුමක්ද?