I feel like you’re still missing the point. People pay $1000/month or more because the public transit system doesn’t go where they need to go OR they’re wealthy enough that it doesn’t matter.
I’m not seeing where the $1000/mo incentive you’re describing is coming from? An unlimited MTA card is $127. Nobody is paying for a car if the subway serves their needs.
Or would rather spend $1000 to not rub and be rubbed against strangers.
NYC is not the place for you if you don't want to be in close proximity to other people, as a general rule.
The cities (or areas of the city) where people don't actually use cars are the ones where car use is banned. There are always millionaires for whom reasonable monetary incentives or costs are of no concern and convenience/comfort is everything.