Since I have a credit card, when I choose to add a device to my life, I can pay a little extra to get the upgrade.
For instance, when the gasoline mower I bought for $130 died after about ten years of abuse, I decided to buy an EGO battery-operated mower, and I even paid an extra $100 to get the deluxe model with larger battery and powered front wheels. The final price was near $600...
Years ago when I had kids at home, I would never consider spending that kind of money on a mower.
My first project on endless sphere was a DIY friction drive, because I was renting a second story apartment, and bringing the entire bike inside was impractical. Now, I own a house.
Sooo...I sympathize with anyone who is struggling with every dollar. For flat land, the Ezip brushed drive at 36V of lead acid is a viable ebike.
If the owner decides that the miles saved on the car, and gas saved is "worth it" financially...I would then suggest they start saving up for a 56V EGO electric lawn mower battery for when the day arrives and the lead acid has gone the way of the dinosaurs...
If a couple wanted to eliminate one of their cars, because one of the owners works nearby (*10 miles?), AND...they have a credit card..the savings from the car payment and insurance costs can justify an excellent $3,000 electric cargobike.