So I'd need two bikes, one with specialized winter tires, that I'm replacing frequently when they get stolen.
Another gym membership to shower at before I go to work.
Better health insurance to lessen the financial blow of the inevitable hit and run.
More time to account for the longer commute. In my case it's 4-6x longer to bike than drive. Time I'm not making any money and time I'm at substantially greater risk of getting seriously injured.
The politics of it certainly do suck. There's too much money pushing for the jobs that our car dependence create.