I live in Las Vegas, in a 25-year-old subdivision. The homes' 200-amp panels don't have enough spare capacity to add a charger. (3 old less-efficient HVAC units, pool pumps, hot tub, electric oven, clothes dryer, etc.)
So to add a charger, I have to get my home's service raised to 400 amps. That wouldn't be a big deal, except... the neighborhood's transformers are already over capacity, too. A few of the homes already added 400-amp service so they could add Tesla chargers, and there's no capacity left in the neighborhood.
Nevada Energy is willing to add a new transformer in the neighborhood - but they want to charge me $20,000, plus the costs of trenching the new 400-amp line from the transformer to my house, plus the new panel, plus the charger. It's looking like a $40,000 installation.
Or... I could just put solar on the roof, build a separate isolated 200-amp panel powered by solar, and charge the car from that. (Plus move over the pool pumps, hot tub, etc while I'm at it.) That isn't free, either, but at least it'd cut my electric bills long term instead of adding to 'em.
I don't know how many homes & neighborhoods are in this situation, but I was surprised that a 25-year old neighborhood is having this problem.