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Your concerns might be overblown about the Tesla. I used Progressive rate quote to compare a Tesla vs Chevy Bolt, and found the Tesla was slightly cheaper. That said, having to carry comp/collision on an auto loan makes insurance much more expensive than liability only.
Profit is to be found taking on more risk than others are comfortable with, as people don't behave completely rationally when evaluating risk. They tend to be loss adverse, meaning it pains them much more to lose something they had than the positive emotion they feel of gaining something they didn't have. So, vehicles without a warranty sell for much less than those with a warranty even though the probability of coming out behind financially on the out of warranty vehicle is not likely.
In other words, people prefer the sure loss of paying more upfront than the remote possibility of paying more unexpectedly.
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