If I buy a car and want to take the engine out, or a light and resell it - I would be very stupid, but, it is my property and I should be able to.
If Tesla want to lend instead of sell you something - fine, just be honest!
It's a lot like our allowing people to sell patent medicines as "supplements". In both cases, we let people distort the meaning of regular words for commercial gain.
They're also restricting their customers' actions in meatspace (you can't drive people around in exchange for money) while the Office restrictions (you can't create business-related files) are IP-related.
A more accurate analogy would be if Microsoft banned you from using a Surface for business purposes (or for business purposes while running Windows, but it's impossible to install a different OS).
IANAL so I don't know if Tesla is on solid legal ground (I would guess that probably they are), but I think there's certainly a clear philosophical distinction.