An Ebike can cost 3-4k. You can get a nice used Yamaha scooter or a 250cc motorbike for that. Ebikes are more dangerous than scooters. Scooters have good brakes and suspensions and decent handling. Ebikes are spindly deathtraps. They dont have to meet any safety standards.
For 20K you could buy a brand new Suzuki Hayabusa.
They do 186mph stock.