> But a lot of UK housing relies on on-street parking, and there's flats with car parks where charging isn't currently practical.

You forget the larger problem less wealthy individuals face: They typically already own a ICE-car and can‘t afford to purchase a new car multiple times in their lives.

The used car market should solve that eventually - so long as battery longevity is there. A reasonably maintained ICE car can last 20+ years of low mileage use. We need battery packs that last that long, or that are modular and replaceable for a reasonable price.