Well, considering it comes with a normal wall adapter, anyone with a home is rich enough I guess. But the key is when traveling it’s useful, and if you have a condo or apartment, you won’t have home charging. Some, like me, got a promotion for lifetime super charging - so I never charge at home, which saves me thousands of dollars a year.
I would also note you can get used teslas, even higher end ones like model s, for $20k or less, which isn’t unaffordable. Because the batteries can last decades and the mechanics are so simple they effectively last forever it’s a pretty good care 10 or 15 years later.