Does a Level 2 charger always require a new panel?
No. A panel upgrade is one possible outcome, not the starting assumption. Depending on the load calculation, existing infrastructure, equipment requirements, and local approvals, options may include a suitable dedicated circuit, an appropriately configured charger, or an approved energy-management approach. In other homes, panel or service work may be necessary.
A panel replacement and an electrical service upgrade are different scopes. Read panel upgrade vs. service upgrade before comparing proposals.
Safety: Do not use household extension cords, improvised adapters, damaged outlets, or an unverified existing receptacle as a shortcut for EV charging. Stop using equipment that becomes unusually hot, smells burnt, or trips protection repeatedly.