Modelling an object as a particle is an idealisation (or abstraction) which can be useful in many cases.
Beware of potential problems when modelling objects as particles.
In the second case the resultant force is zero and the car travels at a constant speed.
In the third case the resultant force is backwards and the car slows down.
In the second case the resultant force is zero and the parachutist moves with a constant speed.
If the resultant force were zero at the highest point, the ball would stay there!!
The resultant force is upwards, for almost all of the time that the ball is in contact with the table.