Any new car is too expensive for most, so in that limited sense I agree with you. The EV credit serves to make an EV competitive on a TCO basis, so if you can

Any new car is too expensive for most, so in that limited sense I agree with you. The EV credit serves to make an EV competitive on a TCO basis, so if you can afford any new car, you can probably equally well afford an EV with the credit.