I haven't had to do any work on my EV in the 2 years I've had it.

I'm due for a cabin air filter change in another couple years.

So yes the bike is costing me more in maintenance! It is hard to compete with 0.

Does the eBike have a monthly payment plus a required insurance policy? The EV still costs way more to own which is the most important factor

Maintenance should be amortized. The first time you do brakes and tires it will cost more than 5+ years of ebike maintenance. It adds nothing to the conversation to pretend otherwise.