Navajo8686,
If you use the same analogy, you could never afford to own a car.
The way it actually works is that an aircraft, like any piece of equipment, depreciates over a period of time.
So, if you, say pay $36M for a 737-700, which 5 years later is worth $28M, then your depreciation costs over that period is $8M, or $133,333 per month. So thats the cost of ownership of your aircraft, which if you operate the aircraft on, say 4 sectors a day every day, means the cost of ownership comes to $1111 per sector or ( carry 148 passengers on each sector) $1.80 per passenger carried.
That gives you some idea as to how the cost of ownership comes into play when calculating how much you need to charge to make money.
Then you have to add on all the other direct costs ( fuel landing fees etc) followed by the Overheads ( salaries, offices etc).
Hope this helps.
H