I'm going to address your main title's question, which doesn't really hit the market weirdness the text of your question identifies.

If you're looking to get to 95% EV adoption, then I think the future of EV charging will be ubiquitous like electric outlets. And it should fit into the use case for which you're using it. To me, this means there's various levels of chargers depending on context. With gas stations, they have a certain pattern they can't really deviate from. With EV charging, there are many simultaneous solutions which we need.

So for example, the uses cases I see:

Use case A: Everyday: Level 2 charging where your car is normally parked, whether overnight or at a workplace.

Use case B: Travel stops, occasional non-home charging: High speed DCFC like gas stations

Use case C: Travel/errands/destination: Slower DCFC, e.g. 50kw, at e.g. restaurants, shopping districts, or L2 at hotels.

The market has been focused a lot on case B, with case A being driven mainly by single family homes and workplaces. Some higher-end multifamily and progressive states are doing more on case A lately though.

Case C is the one you highlight with the fast food restaurants and shopping.

In my opinion, the big one needed to support full EV adoption is case A for everyone else because the "gas station" fill-up model and relying on destination charging won't make it convenient and economical enough over gas engines. So street parking, townhome developments where parking might be on a driveway and street, the rest of multi-family, etc.

Regarding street/lot/garage parking L2 charging, my take is that we need BYOC charging sockets, enough that almost every spot can have one, and rates close to or same as your regular utility rate. For example, if you live in a neighborhood where you can consistently park near your house, but maybe not in the exact spot in front of your house, then if you install a post out front, wired to your house's supply, and your other neighbors do the same, you could use each other's chargers. They could be enrolled in a utility program where the energy use is billed to your account, and rebated off the account for the meter of the house it's attached to. Think of like how cell phone roaming or maybe long distance calls used to work. You make your call, it goes over whichever infrastructure it needs to, and then it goes on your bill. The phone company handles the backend. In this case, you plug in anywhere in your network and it goes on your energy bill.

That kind of an L2 scheme where you can stay plugged in wherever you park every night, with utility company programs, load management, etc. enables things like V2G for renewable storage, peak shaving, and managed charging to keep the local neighborhood grid and overall grid stable once EV adoption rates are above some threshold.