No, aggregated across all drivers, not just aggregated across your driving. As in, 1 million drivers insuring, licensing and maintaining 1 million cars costs far more than 1 million riders sharing 200,000 cars whose insurance, licensing and maintenance is aggregated by a riding sharing service like Uber, and those savings will show up in your final bill, ie. total cost of ownership of your own car will exceed using ride sharing services with self-driving cars for virtually all people.
> A bus wait can be as little as 3 minutes max
It can be as little as 0 minutes if you get there at the perfect time. That's irrelevant though. Worst case and average case wait times are what's important.
> If it isn't the is the fault of lack of ridership.
No, it's the lack of sufficient incentive and benefits to use transit. America is not Europe.