Tesla definitely markets towards a certain niche. They aren't going after the mom with 3 kids. Early adopters always pay a premium for new tech.
When/if the technology hits critical mass all of the car manufacturers will have EV models plus the price will go down.
The point I was trying to make is that EVs and PHEVs aren't being subject to the same type of financing rates as conventional cars. Dealers aren't being giving sweeteners to sell them. It's a case of, either you can afford it or not.
Not exactly the philosophy one should take if driving ICE cars are killing the planet.