TL;DR of this response is that a Tesla is not more affordable for most normal people because what they can purchase is influenced by initial buy in costs/their own budgets at purchase:

Many “normal people” have less than 5K in savings. A model 3 is baseline around $40K plus the infrastructure of chargers you will probably need installed to charge it.

A Ford Bronco Sport or Escape start at 29K and I used them as an example because most Americans are buying SUVs or trucks, not sedans or compacts. No infrastructure needed.

Even with high credit scores, you’re talking at least ~$500 monthly payments even with something like 7K down. I know this because I purchased a new Subaru for about 30K within the past 6 months and my credit score was 815 at the time of purchase and I shopped around for the best APR financing I could get.

You have to remember that long term affordability doesn’t matter. Up front costs are influencing most “normal people” purchases because what you can afford NOW is what you can afford.

As an example of this in action - There’s a reason subscription services see monthly or quarterly as their biggest buy-ins because cheaper up front costs mean more to the consumer who has to invest in the NOW despite the long term being a better deal. I was in marketing for a subscription service and guess what we always sold the most of? If you guessed monthly - have a cookie.