People without garages are fine if they are in a house. You just need an outlet within reach of your parking spot. Apartment dwellers do need a solution. Orange Charger sells level 1 and 2 chargers targeted toward apartment complexes. The systems cost $600 (level 1) or $750 (level 2) and they deal with the payments. The power company in my city has level 2 chargers throughout the city that are near apartment complexes.

As far as affordability, a used 3 year old Bolt can be bought for $16k. My state has added on another discount which brings the cost down another few thousand. Considering you will save about $1000 per year in gas costs, that’s a pretty good deal.