"adoption by low-income"
Until electric cars can be bought for "$99 down, $99/month", the most viable option is for low-income users to continue driving ICE while people with money invest in EV to reduce fuel/maintenance expenses.
Alternative could be for government to provide vouchers, which dealers could accept as 90% payment of EVs?
Or hail an Uber EV.
I think Volt came close, with $199/month cost, but higher down payment and "On Approved Credit". Refer back to "vouchers", which is basically how such a deal from "Government Motors" was available.