You borrowed money to buy the car. You can’t borrow more to fix the car? Personal loan, credit cards, or loan against your house or business? You say you are a good researcher? Try researching a lower cost engine repair or replacement. Try researching how to fix it yourself, how to rent and use the tools needed, the machine shops that do the work or buying and installing a re-manufactured engine.
You can rant about the problem here until we all get tired of reading and posting about it. None of it will be read by Hyundai and none of it will solve your current dilemma of a dead car. Lots of good advice was delivered without you even asking for it. You choose to argue instead. So the problem continues. Enjoy your Hyundai and Good Luck