I guess I can see #1, though we have had work arounds in place here that keep folks safe but still get registrations done.
Two makes no sense to me at all. What difference does where the loan is from make? I just sold a vehicle that was titled in The Comanche Nation and registered in Texas and that added some complexity, let me tell you. But if it's an American company its business location should make no difference at all, particularly under the clauses of the constitution dealing with full faith and credit between the states. Someone at the Washington state government told you that?
#3 I guess I can see too - the states have an interest in being able to find the owner if needed and to prevent fraudulent registrations, but usually there is a work around (such as a fist full of utility bills with that address) etc... Or a declaration of residency. Most states your considered domiciled if you intend to stay there for a unknown and indefinite period of time (i.e. not in that location for just a known period, such as working a job that should take 14 months, or otherwise know you intend to leave at a certain time in the future).
Registration was like 2 years and more out or more on the GTO before I sold it and the cops pulled my wife over in it and he actually said, when he came to the window, "wow, I never expected to find someone like you behind the wheel of THIS car." Middle aged lady with at least one kid with her. Gave her a warning. Sounds like a shitty situation T, just try and stay positive. This too shall pass. And it could have been much worse. Towed, ticketed, etc....
Hang in there.