OP isn't the customer
OP misses the point. He isn't the customer. The customer is Nationwide. Nationwide presumably has a contract w. Enterprise which provides for deep discounts from already bottom-of-the-market rates. In returnn, Enterprise gets to provide lousy cars.
Enterprise has OP over a barrell and OP has a choice: 1) miss work and find a real rental car; 2) shell out-of pocket; 3) lump it.
Nationwide & Enterprise are betting that there may a few angry customers here and there, but most elect option 3.