I agree with a bunch of things you said, but I dont agree specifically in regards to the cash part. I think people with cash setup are at a higher risk as Tesla doesnt know anything about their payment or account balance. As opposed to that, for people with Tesla finance, Tesla has much more knowledge on what their finances look like and if they will be able to make payments. Not to mention they already have someone that has sorted out their financing details, as opposed to someone who is going to slow up on the delivery day with a laundry bag full for cash (what if they get robbed on the way to the pickup location). Okay the last part about cash was a joke, but the point still holds.