I would assume that vast majority of of Americans don't have the means to buy an Accord with cash either. If one follows the 20/4/10 rule, Tesla's are are really only affordable to those in the top ten percent income bracket. A $70K four year loan at 3% is going cost ~$1550 a month. Add in insurance, electricity, maintenance, etc I would think the monthly total would come in around $1850...
Agreed on government subsidy. I'm against it.