Yeah, if you're buying a new car, electric makes sense if at all possible. But a lot of people are not buying new cars, because new cars are not cheap. There's a saying that a new car loses half of its value the moment it's driven away from the dealership.

But I agree, operational costs of an EV can be much lower, if you can charge at home rates.

The initial car is more expensive. You'll typically make it up, but it depends on how much you drive.

And you have to pay interest on larger car loan.

But in practice, yes, when charging at home EVs are dirty cheap to charge.

The total cost of ownership (toc) for an EV is much lower. But you are paying it all upfront.

I’m sure your specific circumstances apply to everyone else equally