I find that people like to think of this as a theoretical problem, when it is tractable to solve the bulk of it for a lot of folks. Thinking of the average price of a US vehicle $37k, here is what we did with that same amount:

Installed 9.4 kw of solar panels (32 panels) on our roof which generates the same amount as all of our electricity usage on an annualized basis for $24k. Bought a used Nissan leaf for $10k. Refuel at home, from the sky. No oil changes. Prepaid power for life.

I know a lot of people don't live in such a sunny state as Arizona but given that I live in Oregon they can take heart.

Then I got 11k back from state and federal subsidies.

I wish electricity and gas prices would go up, that's the only way to drive additional investment into a non stupid energy future.