Ok, so if you commit tax evasion in an all-cash business, you too can work just an extra 1/2 week every month to lease a tesla, after factoring in the tax breaks EXCEPT... from my 5 minutes of research, the $7500 tax credit is not a refundable credit so in his all cash business if he's not at least paying $7500 a year in federal income taxes, he won't get the full benefit of that credit.

Oh, and the $600/mo assumes a $7100 down payment, which needless to say is far more than the average down payment on a car and is really more like what the average american puts down on a HOUSE. In other words: c'mon.

Not to mention the opportunity cost of that money. If you're making $25/hr in SF you do not have a high standard of living, especially when compared to your neighbors which, studies have shown, is exactly how we measure our own financial happiness.

In this case, the SF bay area fellow I know works five days a week for a landscape/gardening company and pays taxes on that income. ($25/hour cash is additional off-the-books income.) And, contrary to your research, California has a $10,000 incentive.

Though you're right about the down payment, so let's assume it will be a used Tesla and therefore cheaper. And you're right about the relative comparison point. But these were rough numbers, remember, and not intended to be a detailed argument as much as a refutation of the impossible "to afford" claim above.