In the EU, almost all homes have 3-phase power by default!
EU is not only Findland, Germany, France, etc. EU is also Estonia, Lithuania, Latvia, Bulgaria, Slovenia, Poland, Hungary - countries that carry a legacy of the Soviet regime(s), and typically aren't as economically agile. That was the basis of my comment.
You are of course right, but with membership to EU came both funds and regulations, so all new homes and nearly all renovated homes (ie, something like 90% of those who would consider an EV in the first place) have 3-phase 400V (TN or TT), where 240V is simply taking any single phase to neutral.
However, apartment complexes will typically have only 240V single phase to each unit. Though you wouldn't charge an EV inside an apartment anyway.
I live in a house with 3-phase 240V (IT), so only model 3 would charge at all direct from our 240V. To upgrade to TN would require not only a new fuse box in the house, but a new set of cables 200m up the road to the transformer station.
However, depressingly enough, new local regulations mean there's a fee added to the bill from the power delivery company if you have used more than 5 or 10kWh (three tier system) during a single hour in a month. So I will continue to charge at 240V/10A for the foreseeable future. Even that will bring me up to the second tier, unless I pay extra for a smarter charger than can throttle whenever more than one of water heater, stove top, oven or clothes dryer are also on. Or smarter appliances in the house, so water heater and floor heating does not come on while consumption is high.