Isn't it all about preference anymore? Talking about the price of a Tesla or even better a cyber truck is ridiculously expensive. The whole world isn’t willing to spend good money on a car that in my opinion, isn’t worth it. If you would take some time to read up on reviews, you’ll notice people are expressing several complaints.
You seem unaware of the millions of people working administrations, in the Government, Private Industry, Venture capital firms, health care, insurance firms, and 1000 of other companies paying salaries of US$ 5000 + Plus some plans, leasing and all other. In that world you go to the bank and get a credit, pay 10% and finance the rest.