Ebike would be nicer at that point. Battery takes far less time to charge over 110v. You can simply hot swap a charged battery. No insurance or registration requirements. Far lower base cost. Far lower maintenance costs. About the same range. Probably similar cargo volume compared to a cargo ebike. Just need a rain coat and rain pants and you are probably set for most conditions. Call an uber when you actually need to transport 4 people and you'd come out well ahead.

The big secret with bike commuting is that in urban setting on surface streets, its actually the fastest way to get around short of a motorcycle or helicopter. Yes, much faster than cars, thanks to lane splitting.

I have an ebike, it's very nice, and I live ~9 miles from my job, so it's well within range.

But I would not want to be caught in the ever changing weather here on an ebike. Maybe if it had a shell to protect the rider, but then we're getting into it being too pricey for an ebike range.

Rain pants and rain coat work great for keeping you dry