EVTOLS supposed to be less complex than cars and cars are already cheaper than trains.

Call me skeptical on being less complex than cars. I suppose this must be referring to parts count compared to an internal combustion engine car?

Suspension, steering, brakes, airbags, body...

Of course on a serious EVTOL you got variable pitch props and tilting rotors (basic 4 rotor design is inefficient just doesn't scale).

Avionics vs modern AEB, ESP, etc likely on par. Inverter redundancy way more important on EVTOL, but EVs have redundancy too.