I don’t think there ever will be a market-driven supply of micromobility loans, and it would have to be government subsidized to exist. That is to say, here in the USA, we should absolutely do that since I don’t expect any private lenders to do it.

If something is economically prohibitive but has clear social benefit, that’s exactly when subsidization makes the most sense. Heaven knows we already subsidize other things which have unclear benefits, but loans for micromobility would be: 1) relatively cheap, 2) easy to ascribe to individuals (eg by SSN), 3) make concrete steps toward social and climate commitments.