This may sound argumentative, it isn't:

The capitalist pitched the infrastructure cost to the government, design of transportation and city design flex around them, and now you need to buy the privilege to participate in society back from them. Where I live public transport is basically non-existent (unless you just so happen to live in a wealthy area, oddly enough) and I've known people trapped in poverty because no car means no job, but job don't pay, so they work for car because everyone is laser focused on the merits for the individual over the collective. Even if it's cooking the environment and is inefficient for moving people en-masse as well.

In the example you gave why not offer a train station that goes to the city? I'm one of the fortunate few that can take the train into the city and it has been ideal. Just me, my e-bike, and the train. No insurance; no emissions. It'd be perfect save the two tons of metal flying around me constantly.