If ubiquitous and cheap charging infrastructure is not being priced in, which is still a blocker for many.
For example, I cannot reasonably run lengths of 110v extension cords down the block to charge a car overnight, and acquiring my own house with a garage is dramatically more expensive than any fuel savings. :p
I don't have a garage attached to my house, it's a shared garage building. But once a few owners got EVs, and it became clear to others that EVs were the future, we got some minimal renovations done that allowed anyone to pay to have a slow AC charger installed.
Oslo has been rolling out street-side AC charging poles. There's never quite enough but the growth is steady.
Other countries may not have the same incentives, but that just shifts the point where the rapid transition starts by a few years I think, since cars get cheaper and better all the time. And remember that Norway is fairly cold, which is brutal on range in the winter, so it's not really a fully ideal place for EVs (though at least the car starts reliably every time unlike diesel)
I used to run extension cords out of windows and across the sidewalk to charge a Fiat 500e.
It's unfortunate that EVs make the most immediate sense in high-density urban settings, but those same settings have lots of people who can't use the simple kinds of charging infrastructure (eg, Level 1/2 chargers).
Truly high-density urban settings should ideally find transportation solutions without cars.
Look at the numerous existing city public spaces built into high profile architecture, where basically no one ever hangs out in. (There's a TED talk about this.)
I was not exactly in that situation. First time, I lived in a room on the 3rd floor of a house, but I'd run the extension cord out of the house owner's workshop basement window. I could reliably park in front of the house, however.
2nd time, I ran the cord out of a 2nd story window from my room, but the parking space was behind the house's fence under my window.
3rd situation, I would run the cord from the apartment exercise room, out the window to the fenced in parking lot behind the building. However, the building management actually removed those outlets! Then, that law requiring them to let us charge passed, but by then, it was time for us to move out. Now, I have a garage of my own!
You don't need a garage, just some sort of reserved parking space... There are plenty of weatherproof electrical boxes. It costs a bit of money to have a trench from your home to your car parking area, but far less than buying a house.
And that "110v extension cord" can supply 240V with just a change of connectors on either end (e.g.: 6-30p) allowing charging twice as fast.
I don't think the OP was worried about people who have the ability to dig a trench and install underground wiring to a reserved spot in a "car parking area". I suppose it's not technically having a garage but it sure feels like it in spirit.