Behind the shiny veneer of Uber's venture capital–backed technological innovation lies a time-tested business model: labor exploitation. Uber's latest scheme is a new spin on the age-old practice of sharecropping. Struggling to find enough drivers willing to put miles on their own cars, Uber recently began offering subprime auto loans to would-be drivers, conveniently extracting payments directly from their paychecks, or (because Uber insists its drivers aren't its employees) their "Uber earnings." Since last July, Uber and its wholly owned subsidiary, Xchange Leasing, have partnered with auto dealerships, advertised to drivers, and even repossessed cars from drivers who lag in their payments.