What you're saying would render any kind of compliment an insult. Like saying "You have a nice car" implies that they're actually saying "How did a bum like you get a nice car?", when all they're trying to do is tell you you have a nice car, either to make polite small talk or to commend your good taste.
If the car was sentient and had a say in whom would become its owner then you're absolutely right, but if the car is just a thing anyone
could have purchased
then not so much.