I do sympathize with your lack of chargers. It's a real problem that needs to be solved, preferably quickly, so that it doesn't hinder EV adoption.
I do think it's possible to solve it, however. Where it's merely a problem of obstructionist landlords, regulation can be introduced: if charger can safely be installed, then the landlord should be allowed to pass the cost on to you but should not be allowed to forbid the installation altogether. California has imposed similar rules on HOAs regarding solar installs in the US - they still try to obstruct installs, but it's harder. I've had family that succeeded in getting the HOA to allow installing a personal charger in the parking garage as long as they paid for it.
I am curious about the fire code issue you mention. What exactly is the issue, and is there an acceptable limit? What about a 4 kW charger instead of a 40 kW, such that you can't rapid charge but do get a full battery by the morning? That'd be barely above the 3.5 kW of an average 220 V 16 A circuit.
Public chargers is an infrastructure gap. I did a 20-hour EV road trip in the US over Thanksgiving and only had to queue once, max 20 minutes, but that's because Tesla has a good network in the US. I know it's not nearly as good for other brands, which is why we need more programs to build out charging networks. It'll happen, eventually.
I did the "10-60% in 20 minutes" thing for a 1300 km drive (7 stops), and it worked quite well. The drive was longer but I was less burnt out by the end of it. It'll continue to get easier as infrastructure improves.