If you pay $10K for a paint color, you get the paint color. If you pay $20K for sport brakes, you get the brakes. If you pay $15k for Tesla FSD, you get the hope that Tesla will eventually deliver FSD, much the same as a Star Citizen customer is buying the hope that they'll eventually actually be able to fly their ship in a full game.
You can still argue that the aspiration is worth the money to the customers, or that they're already getting enough value out of the partially delivered product. But I also think it's reasonable for onlookers to think that there's some level of fraud going on, given the constant promises without delivery.