I'm not sure where you got the idea that the rich people clogged the road in developing countries, but we heavily depend on cars/motorcycles for our transportation. Poor people use them all the times (especially motorcycles). And people with low wages do take loans just to buy a cheap car/motorcycle, even way before buying a house since they provide immediate benefits with manageable monthly installments.

EDIT: It makes me think why there is not much push for electric motorcycles. Whenever EV is mentioned, it's always been a car.