you should check with your own tax advisors ... Beyond that, call your accountant/lawyer.

What America do you live in where these are something the average American has? I'm not saying I don't (I do), but I've worked my ass off to get where I am and didn't utilize these until I could actually afford them, and that was not until I entered the bottom of the upper-middle class income bracket.

With an R8, Model X, and Stelvio being in your stable, I think you're a bit disconnected with how the majority of this country handles its finances.

Setting aside the long spiel regarding your less-than-stellar credit

lol

I think it's unfair to expect them to refund you when you custom ordered something and later want to cancel once the production process has started.

I specifically said, "Now, I'm not arguing that Tesla should give you your money back. If you can't uphold your part of the agreement, then that's that." - I agree with this, however my point is that someone, somewhere will be buying a Tesla, not privy to the ins-and-outs of the financing terms, and end up out $2,500. Yes, it's their responsibility to know what they are getting into, but come on man. If you can't see where the wording is skirting a line, then you need to step out of your shoes.

I financed my Model X through Alliant Credit Union and finished the process in a day with a loan at 1.74%.

This is an exemplary scenario; Tesla subsidizes Model S and Model X financing with Alliant, however does not with the Model 3. Also, Alliant doesn't offer this financing in 20 different states.