That kind of thinking is EXACTLY what is wrong with the modern economy, and your statement is simply not true.
Coming up with $3K is ALWAYS easier than coming up with $30K. If you are careful with your finances, you should be able to spare $3K from somewhere, at least temporarily. If you can't, you can still ask your bank if you can borrow against the value of your Jeep. Even if the interest rate is higher, the monthly payments are far more manageable at fraction of what you might have borrowed for a new vehicle. Don't forget a new vehicle usually requires some kind of down-payment, which will eat into that $3K you were trying to avoid spending. If your credit is good, the interest rate on a $3K secured bank loan will be the same or LESS as a new car loan.
Finally, if a bank loan isn't an option either, charging the balance to a credit card is another cheap way to get the money quickly and pay it off on your own schedule.
It should be noted that having an emergency fund for those "oh, shit" moments is always a good idea, and if your credit cards are already maxed out, good luck getting (and paying off) that $30K new car loan.