Couple issues with this. First why not a 20 minute trip by car with fees for parking and all that versus a 20 minute trip by train? Depending on where you live this can be your currently daily experience. It could also be anyones daily experience if we just decided we wanted to do that.
The second issue is that simple comparing the surface level time-by-transit misses most of the particulars that matter. And you are also mistakenly applying individual experience with aggregate experience i.e. 40 minutes saved for the individual but in aggregate many people actually do die because of the 100x serious injury probability.
I can emphatize, though, if the feeling corresponds to what I feel participating in this thread.