1) Regard apartments, the government should make funds available to add charging to existing apartment buildings. It could also do stuff like add chargers to light posts, as I believe some European countries do. Also, we can normalize running extension cords out to your car as a temporary measure :). People do this with their $100k PIH Volvos in my neighborhood.

2) This is why I like the "carbon dividend" approach some have proposed. Tax people, but let some of the money flow back to the poorer members of society so that they can still live. I also think as a society we really need to question why we accept that there are just tons of poor people. Why not raise the floor a bit? Climate change (and pollution as well!) disproportionately affect the poor as well, so delaying action to fight it will hurt them in the long run.