If a problem, decision, or question comes down to a particular thing, that thing is the most important factor involved.
Walter Crowley says the problem comes down to money...
I think that it comes down to the fact that people do feel very dependent on their automobile...
What it comes down to is, there are bad people out there, and somebody has to deal with them.
PHRASAL VERB: V P P n, it V P P n, it V P P n