Not really. They could simply raise more capital. Investors are willing to front the capital because they believe it will allow Tesla to make more money in the future - e.g. indirectly via selling more cars due to a better charging network or directly via pay per use.
This is not new ground for Tesla. They raised $1.4B in May in this manner to accelerate Model 3 production. They also raised $700M in August 2015 to:
Note the inclusion of the Supercharger network.
Honestly, this is a terrible analogy. It's kind of like health insurance at a glance, but when you give it a bit more thought - it's completely different. The core value of health insurance is to accommodate very (i.e. unaffordably) large and unpredictable expenditures. In comparison, the cost and value of energy and energy dispensing infrastructure is quite stable - with predictable demand.
Perhaps a better analogy is
AAirpass, where American Airlines last sold unlimited airplane tickets for $1.01M in 1994, giving travelers the option to prepay for life versus pay as you go. No prizes for correctly guessing how this worked out...