But it's not about the money, of course :)
Privacy, for one thing -- I don't think I'd ever want an unknown third party in the vehicle with me when I'm taking someone or myself to or from an unscheduled medical visit.
The reasons I own and drive a car would be impossible to meet by anything except self-driving personal transit pods that can link up with other pods to form dynamic trains. That's the sci-fi future I'd like to live in, where I have a private pod, but if I want I can connect to a train for a long distance ride, use the dining car, meet other people along the way, etc. Kind of like how ferries work now, except you could stay in your car if you want, and faster.