Using a 3D fully kinetic approach, we disentangle and explain the ion and electron dynamics of the solar wind interaction with a weakly outgassing comet. We show that, to first order, the dynamical interaction is representative of a four-fluid coupled system. We self-consistently simulate and identify the origin of the warm and suprathermal electron distributions observed by ESA's Rosetta mission to comet 67P/Churyumov-Gerasimenko and conclude that a detailed kinetic treatment of the electron dynamics is critical to fully capture the complex physics of mass-loading plasmas.