[jasondelta]

There are any number of reasons why someone is unable to install a charger at home. Highest on the list is that many people rent, and therefore aren't in a position to install, either because the landlord won't allow it, apartment doesn't have parking, or installing is not affordable/practical.

The other issue that comes up is that anyone with an older home most likely won't have the electrical infrastructure to support a Level 2 EV charger, either because of the existing wiring or because the home is served by a <100A panel.

So that's why many can't make the investment you take for granted.