Taking NJT one way is $6.75 for me. I also need to take a subway into the office (@$2.75/ride) to make it in on time so $19/day. One could buy a monthly pass at $184/mo or move to somewhere with PATH but for most people dropping $184/month is a lot of money for train tickets and most people who live in NJ need a car for life in NJ.
I don't think this is a good state of things. It would be great if we had plans to expand PATH or increase service times of NJT or build more housing next to NJT/PATH that normal people could afford but all of these seem very unlikely.