Not mine. It has pedals but they are not enough to actually make it move, except downhill. It has a fixed gear ratio.
And there are plenty of e-bikes with no pedals at all.
> I've also never heard of having no choice but buying into a predatory 20% APR loan to buy a bicycle.
You are not required to do that with a car either.
> Collapse those supply chains, and modern America would be uninhabitable without the automobile.
The automobile is the least of your issue. There would be no food or water either.