That's entirely fair. I didn't look at it that way.
What do we consider affordable? I haven't had the time to do this, but you could take US Census data (average/median income per zip code), derive a formula for percentrage of income someone can spend on transportation, and thereby determine what affordable is.
A Model S is definitely a luxury item at this time; on the other hand, if it was self-driving, and could roll into bays to recharge all in software, with access being on-demand (Uber, with no drivers), they wouldn't be expensive. It would be the same as a company buying airplanes and selling seats on said expensive aircraft.
Maybe we're looking at Tesla wrong. They're not selling luxury cars; they're bootstrapping a mobility company by selling to the wealthy.