That is no different than a battery car. You are just shifting pollution to whatever is making your electricity. And if anyone comes in and says "I spent tens of thousands of dollars getting green electricity!" then it should be obvious that the same level of spending could make upstream hydrogen production vastly greener.

And no, it is not "less cost effective" because batteries involve dramatically higher upfront production costs. The argument is really just a troll argument and virtually identical to the same arguments used against battery cars.