Back around 2000 I had a late 70s ford plow truck that the body was held together mostly with sheet metal screws and pop rivets. The bed was long gone, replaced with a rickety and rotten wood flatbed. There were holes in the roof, there were no floorboards, only a 2x12 board under the floor mat running from the frame to the transmission to put your feet on and every time you stepped on the clutch the cab twisted because it wasn't attached to the frame. My friends called it the horror movie truck because it looked so scary. As long as it didn't smoke and could stop it always got a sticker on it until the frame broke. I miss that truck.
Today a 2" hole in your rocker gets a reject as "structural damage" .
. With my last car I had to argue with the guy that I had a full frame and that hole was in no way structural. Just another way to screw poor people.