Average Annual Cost of Car Ownership:
$9,282: https://www.aaa.com/autorepair/articles/average-annual-cost-...
$5,264: https://www.move.org/average-cost-owning-a-car/#data
$11,756 the first year, $7517 the fifth year, $5914 the tenth year: https://www.caranddriver.com/research/a31267529/cost-of-car-...
Cost of a top-of-the line cargo bike:
$6,499.00 (Dual battery, 1,000Wh), Bosch dual-battery system (500/1000 Wh) for a range of up to 206 km (128 mi): https://www.ternbicycles.com/us/bikes/472/gsd-s10-lx
If you live within 20m of where you work, and cargo-centric ebike will suffice (or farther if you can charge it at work). You can take kids to school on one, you can go grocery shopping on one, you effectively do every single trip in a modern city.
For the few things you can't do, the occasional cost of short term car rentals are drops in a bucket.
The point I'm trying to make is this. Yes, public transit is important, yes we need to make our cities interconnected with trains. However, if we want to create a functional system for transit alternatives... we can do it literally today, by creating network of low-car/car-free streets for ebike traffic.