If you are still watching this thread EV tom, your situation is not unusual. lose the job, hard to keep up the insurance, but you gotta drive the thing till they take it away right?
Now you are in a situation similar to where I was when I was 19. In high school I had time to work, buy a truck, insure it, etc and no rent. But in college, I had to actually study, and had moved out of dads house. First year I kept the truck going, but when it blew its engine, no money. I ended up riding a bike a year, and saved for a moped. Rode that a year, and then the last two years of school( took me 5) I got a honda 125. Look for half a bike at a garage sale too, pay no more than 20 bucks. Meanwhile, nobody will steal the rusty wheel bike. 8)
The reality of the deal is you are pedaling now. On that Del Mar. New wheels is not too hard, especially if you can find a freecycle bike or two. just a cheap MTB, which will supply you with a fork that fits, and allow you to add 7 gears. Too add rim brakes in back though, will require you to weld on the brake mounts. Another option is to just relace the rear wheel with the aluminum rim from any cheap 26" bike wheel.
Next motorize it, cheap as you can. A front hub will do, if you have not added rear brakes yet. For a 2.5 mile ride, a very cheap, 36v geared motor kit is all you need to get there, and lead battery.
Its a journey dude, one step at a time. But by the time you can afford a fast electric bike, you need to make getting licence back your priority. Nothing at all will be gained by riding an illegal, home made, motorcycle with pedals, except never getting that license back. Once you get a license, just get something cheap like a used honda, and get the motorcycle endorsement. Then as you can afford it, get bigger and faster gas motorcycles.
Dude, I did the bike commute for 5 years to save money, and I did. I paid off $25,000 in debt, by not having a car payment. But If I could do it again, I'd just buy a cheap used motorcycle. Now my main transport is a 400 cc suzuki, and it costs me about 12 cents per mile. ALL my ebikes cost 25 cents a mile, and the ones that haul ass more like the same cost as a car!!!! Hauling ass electric is expensive, so do it only for the fun of it! Its the battery.
And face it, right now with 2 buck gas,, my suzuki is crazy cheap to ride, 60-70 mpg. For me, cheap to insure too, ( old fart rates) but it will still be cheaper than getting back into cars with your current record.