Does the Toyota "Less Than Zero" Commercial Irk You?

I don’t watch much network television, so I must be one of the few who has not seen Toyota’s :30 commercial featuring and extension on a 0% interest offer during the course of normal TV viewing. The Associated Press and the New York Times have articles about how much viewers dislike this commercial.

Does this commercial bother you when you see it? If so, can you articulate why? Coming from an “old school” advertising background, I have my own theories about this ad