You're highlighting something that's not relevant. The people who are abandoning their EVs are doing so in spite of the tremendous savings. That should raise alarms.
You have: (0.28USD/kWh)/(3.8miles/kWh)
You want: USD/mile
* 0.073684211
/ 13.571429
You have: (4USD/gallon)/(50miles/gallon)
You want: USD/mile
* 0.08
/ 12.5here on the other coast, with cheap gas and expensive electric, Prius would be about 6 cents/mi, Bolt costs me about 8 (on average winter/summer)
gas is $2.80/gallon, electric (with off peak program) $0.30/kWh. Bolt (fairly efficient EV) 3.8 mi/kWh (3.4- Winter 4+ summer)
Your electric rate looks high at $0.28 per kWh. Its still less than I pay in general - £0.287 but I get an overnight rate at £0.07 (23:30 to 05:30).
It seems reasonable to have a low rate at night and always has been. In the UK it used to be known as "Economy 7" (seven hours not 7p!) That's nothing new and I remember it being a thing from the eighties. I'm surprised you don't have something similar.
The bill is rather maddening because there is no one place where they put the price per kWh. There is "Delivery Cost" "Generation Cost" and "Non bypassable charges" each with different values for peak/off-peak so I have to do the math myself.
Your discount rate at $0.26 - I assume that is for overnight usage - sounds a bit nasty. Are you able to move to another provider or are you tied to a single provider?
If the latter, then that is another discussion 8)
More details: All but the generation charges are from a single company that (among other things) is paying off a lawsuit for having not properly maintained lines running through highly flammable forests.
The generation charges can com from two companies; one has a slightly higher sticker-price, but discounts down to what the other charges, so the rates are identical.