This is very uninformed.
This person has not actually encountered tesla solar.
If you compared Tesla Solar even to solarcity or ANY of the other players it's actually significantly IMPROVED.
The terms are very public and transparent.
https://www.tesla.com/sites/default/files/VT_Energy_Purchase...
is an example. Importantly - they will file warranty claims ON YOUR BEHALF if needed - plenty of other installers will just send you on the wild goose chase between panel / inverter warranty handling.
They offer two products where I live, purchase for cash or use a loan.
This is pretty much as vanilla as you get.