To clarify your story....you live in a house but don't own a car?
There are certainly times it would be more convenient to have a car, and most people around here do. I've just never got around to it (though I do have a licence, and hire one maybe once a year for a trip to somewhere awkward).
If you live near the middle of London, on the other hand, a car is positively unusual: the public transport is ubiquitous, often faster than sitting in traffic, and much cheaper than parking. That's not true of most places in Europe, though.
I could totally lives without it.
Almost all of my needs can be covered at feet distance, or with public transit.
I would vote to restrict further the cars.
As soon as you take every cost the car make, it's not worth it anymore. And I'm not speaking only about money, but the external cost generated due to the car: It reduce biking and walking by taking up space on the road, and being dangerous for both. It pollute the air and reduce our lifespans. It make a tons of noise, which also reduce lifespan.