"But it’s going to take 20 years or more for the entire country to even get to a place where all your suburbanites can afford the $5,000-$10,000 for the panel upgrade and wiring to charge at home.."

I'm charging just fine with a decent commute, using only a 120V 12A circuit. You don't need a 240V 50A circuit to charge your car in 4 hours.

Technology Connections does an excellent video on this:

https://youtu.be/W96a8svXo14

It will help update your knowledge on this topic.

Cheers