Why is a car repossession so much worse than regular unsecured credit cards debt and charge-off?

when the car is actually a secured loan.
what is the logic behind it that’s so much worse than regular debt unpaid?

if someone’s credit is already shot, say 600, how much damage can repo do?

Related posts:

1. My girlfriend is behind on her car loan and has been threatened with repossession. To make matters worse, she?
2. Buying a car with bad credit and a repossession?
3. what is the difference, if any, between repossession and surrendering my car? how does this affect my credit?
4. Can you get an apartment with a car repossession on your credit?
5. How will a voluntary repossession affect my credit?