Think it depends where you live. Here in Alberta after having switched fully to electric every single human (not a exaggeration) has told me we can't all switch cause the grid can't handle it. Not sure why they continue to keep telling me that cause I really don't care if people switch or not, I just wanted to switch to become more sustainable for retirement.

I own 2 Teslas with FSD in both and there's no such thing as missing a payment and the car driving back to the service center. Maybe in the future but currently it's not a thing and hopefully never is.