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I find the comparis estimate an overestimate. Take their VW Polo example. You would definitely not insure it for 1207 Fr a year and an annual service is not 3000 Fr a year. You take their estimate for VW Polo, put numbers a layman folk pays for, and you will get a number around 5000 a year. If you buy a second hand car, then you get a very competitive price to the GA, but also get more flexibility.

I am not saying anyone should by a car, quite the contrary, just stating the fact that 4000 Fr/yr is not competitive enough to car.

The German one is 4550€

https://www.bahn.de/angebot/bahncard/bahncard100

Quite comparable. The ticket discussed in the article in contrast only includes local transportation but no high speed rail.

They earn A LOT more money in Switzerland than in Germany.