This is a big part of it.
Tesla marketed their new lowend "$35K" Model 3 option but even that's them covering up the real price is $45k up front. Depending on where you live, you may get $5k back in tax credits the next year and then they throw on a $5k gas savings estimate bullshit which is ridiculous.
It isn't until you click the see details button in their order system that you see the true price.
That's $45k somebody has to take a loan for and pay a higher monthly payment for than the supposed "$35k after savings!". The savings are complete and utter lie. After you pay interest on that $10k extra you borrowed you lose.
If you buy the car outright in cash, sure, you'll see a savings. But that percentage of the population able to afford such a purchase is small and dwindling.
Please show where you came up with the $45K price. On https://www.tesla.com/model3/design, a black RWD standard range Model 3 with no options is exactly $35,000 (or "$26,950 after savings").
That's $45k somebody has to take a loan for and pay a higher monthly payment for than the supposed "$35k after savings!". The savings are complete and utter lie. After you pay interest on that $10k extra you borrowed you lose.
If you buy the car outright in cash, sure, you'll see a savings. But that percentage of the population able to afford such a purchase is small and dwindling.