When you can't get electricity for your e-bike, it's a large, heavy, but still functional bicycle.
If you build your society around automobiles as a form of transportation, you become critically dependent on enormous supply chains beyond your control. Collapse those supply chains, and modern America would be uninhabitable without the automobile.
If you build your society around e-bikes as a form of transportation, you'll be... Mildly inconvenienced if those supply chains break down.
One of the factors that many Amish groups use when deciding to adopt novel technology is determining how reliant that would make them on the outside world. Automobiles generally have a very hard time passing this test. Bicycles, and electric bicycles have a much easier time.
I've also never heard of having no choice but buying into a predatory 20% APR loan to buy a bicycle.