... I don't have my model 3 yet, but I do question your claim when you say people could fill up under an hour at 240V 40A. ...
Depends how far people drive. I charge at 240 v. 40 a. and I figure that I get about 30 miles of range for an hour's charging. Maybe the Model 3 will be more efficient due to improvements in the last decade, but certainly 40 miles for an hour's charging would be very optimistic at 9.6 kW.
But if people only average 30 miles a day, then an hour would do it. If people drive an average of 12,000 miles a year, that averages to slightly more than 30 miles a day. And by the time half the North American fleet is electric, we'll probably have smart charging where the utility determines when your car charges, and some number of people will have solar panels and charge directly from them during the day.