I get that it’s supposed to get cars off the road, but the assistance without trade-in is way lower and IIRC just for very low incomes (under 15000 euros or so) for the national subsidy.
That means if you need bulk transport you get little to no help on a cargo ebike (which tend to be on the expensive side especially as they’re not ultra common yet), unless you first buy a junker to trade in.
$150 in maintenance every year (I like to give it in to the bike shop once a year for maintenance, otherwise basic upkeep with a monthly 30 min tuneup has been just fine) and about $500 in total repairs and replacements over the years means I’m spending about $220/year adjusted over its lifespan. I’d challenge someone to find a transport option where you’d spend that little in 2 months.
In places with a decent bicycling culture you can get one second hand for a hundred euros or so.