I admit I fell in a lucky spot, but 12 k€ is just a bit less than what I paid my new Jeep Renegade, so I don't consider it that cheap.

> electrified cargo bike

Hilly area? Taking children to school or old parent to the doctor's? Not a chance!

> stuck to a single car

Yes, the SUV.

Edit:

> if you go for used, you can get cars in good enough shape for less than 5K€.

Yeah, that's nicer. Unfortunately, you have to add insurance and maintenance, plus a parking spot at home. Still too much for people to accept non-tiny cars to be banned from the city.