^ Only if you make the assumption that everything else remains similar, a heavy consumer.
I DIY my truck and SUV repairs, and don't put on a lot of miles every year, so it would be very hard to see any real savings to the environment or my wallet. On the contrary, probably a larger cost and penalty to the environment to manufacture and use the ebike, in addition to still having the similar environmental penalty of manufacturing the hatchback.
Which do you think causes more pollution, shipping your ebike components from China on a container ship, or the difference in emissions from a light duty truck or SUV, versus a hatckback? You might be surprised.
Instead, I can haul more at a time, and I do. The simple choice of DIY allows me to keep vehicles longer and that alone saves money and environmental damage, without even considering my lower food prices from not only being able to shop where prices are good but also the ability to buy/haul in larger quantities to save even more.
I can do all this, without any sacrifice in quality of life.
Also no, it's not a two minute, ebike ride. Even in an automobile, situated away from the commercial districts (as I WANT TO BE), it takes more than two minutes in an automobile that is allowed to travel at higher speeds, legally, than any ebike less than one registered as a motorcycle... and then that type of ebike, has all the more environmental penalty of needing a much larger battery pack.
"Rear cage, two pannier bags, a handlebar cage or bag, and a backpack can fit a lot. Or even get a trailer." ?? It can only fit what you call a lot, if you are only shopping for one and paying a premium for smaller portions of foods, and then also having to travel back and forth to the grocery store that much more often.
If you want to live like that, have fun with it. The majority of society has evolved past the idea of living in a little frontier town and traveling by ebike instead of ... get ready for it... a horse.
Why not a horse instead? If you're all in environmentally, that's more sustainable than an ebike. Get yourself a wagon for it, and you're all set.
I for one, don't want to live like it's the 19th century.
Lastly, do you know why there aren't a lot more ebike thefts? It's only because there aren't that many of them, except in cities that have the loaner/rental bikes, then that tanks the black market value because people can just rent them. There has been more and more backlash against those as well, citizens sick and tired of irresponsible ebikers trying to muscle out regular bikers and pedestrians.
Sometimes it's a good thing to require motorists to have a license, insurance, and penalties involved that seem standardized so operators know what to expect if they misbehave, don't have the misperception that they can ignore laws because it's an ebike.
Having stated all that, I do think that society will eventually gravitate towards a smaller enclosed EV, something more sustainable than driving around a 5000 lb contemporary version, and it could haul more than a bicycle with a trailer.
One vehicle just large enough, instead of both an ebike and an ICE hatchback. We only need a true breakthrough in battery tech and a few decades to build up the infrastructure to recharge them. Maybe we'll get there by 2050... but what it won't be, is the majority of society living in 15 minute self contained villages.
I haven't even scratched the surface of all the penalties for the average person who doesn't live 2 minutes from work, or has to travel when the weather isn't good, or has a family, let alone when they get older or the segment of society that due to health, whether mental or physical, isn't able to depend on an ebike to satisfy their needs.
That's the great thing about freedom and being able to afford the lifestyle you want. Nothing I wrote will keep you from living in a 15 minute village and using an ebike if that's what you want to do. If I had to pick one way or the other, I'd spend the extra time wasted on ebiking as transportation, to instead be working more hours or further from home, in able to afford a better lifestyle than that.
What about that environmental penalty? When people are crammed together like sardines, they are not carbon neutral. Me, I have a significant lawn, large trees, crops than don't use gas equipment to harvest. I always repair rather than replace things when possible. I very likely sink more carbon than I produce. Contrast that with people living like a sardine with a hatchback and an ebike? Not so much.