Since you are all in on negative equity loans I assume you are also going to tell me that a balloon loan is a good idea as well? Or maybe you will tell us how you got wealthy just off $5.99 Questrade commission fees lol. If we were talking about 0-1 or even 2% financing you would be correct but 3.35% financing is not a great interest rate for 96 months. It's an extra $10k on the price of a model Y over 96 months for example. I am doing 60 months on my BMW at 0.49%. That's much closer to a free loan and how to do it the right way.
After checking I see Tesla is now over 3% for all terms now which gives less incentive to opt for lower terms but the reality is that anyone that has any economic education would advise against a 96 month automobile loan. There are thousands of articles online illustrate why they are a bad idea. They are designed to get vehicles in the hands of people that can't afford them and are not a means of being paid to borrow money lol (funniest thing I have heard on the internet this week).