https://www.bahn.com/en/offers/bahncard/bahncard_100-conditi...
EDIT: I can't find info on whether the German one covers city transportation... maybe it doesn't! - EDIT2: It does according to reply!
> The BahnCard 100 is also valid within the City-Ticket zone of all towns and cities covered by the City-Ticket offering
City ticket coverage: https://www.bahn.com/en/offers/tickets-for-local-transport
Given, I have a "car dude" that repairs and sells me used cars in good condition (I don't drive much at all), but even if you would spend a bit more, it isn't as competitive as it needs to be.
But other than that, cars are almost essential today. Have family you need to take care of? Good luck doing that with public transport. Doable perhaps if you quit your job...
Then why are you comparing your €1000 expense to this €4000 ticket? This ticket is for people who travel multiple times a week by train.
There are still normal tickets available in Germany, you don't have to pay 4000 a year for the privilege of taking a train once in a while.
Even city tickets are for people who travel every day.
There were also steep discounts for students and youth for almost everything -- I got a public transit pass for 50% off because I was under 23 at the time.
Products ain't that much more expensive here, human time is.