No. We're not. We're talking about practical charging ability for people in apartments. If a government is too incompetent to enforce charger installation in indoor parking of rentals, light pole and meter charging is impossible, and adding 1kW of solar panels to the car itself isn't sufficient for daily use due to weather, then simply adding 2 3.5kWh battery slots in addition to whatever internal battery the car has is a trivial way of adding 70km of range that can be swapped at a moment's notice.
Your inability to imagine anything other than the laziest most spoiled american's habits (even when alternatives are easier) doesn't invalidate the huge space of other solutions.
If all of those don't work for some reason, then just treating it like an ICE and usingthe 250kW fast chager is only an extra 15 minutes once every week or two.
I, too, doubt that car companies would collaborate on their own. But this is a problem that California or the European Union could solve with the stroke of a pen.
You will, just not as a lump sum. A part of the battery's cost (1/2000 or 1/4000 or whatever) will be integrated into the battery swap charge.
This is how things work for poors. They don't have access to lots of credit, so a car that costs $15K less is good, and they are used to whatever a tank of gas costs, and will pay that. Again, this is the mass market, the next billion drivers/families. You're well down the income ladder at that point.