That "five" people are people with disabilities but cannot afford the custom car, elderly people who can't see the road, blind people, people with random seizures, people who don't have a financially-stable parent that can guarantee their first car purchase or loan them the money for their first beater car, people who just got out of prison and can't apply for a loan, single mothers thrown out of her house without anything from her abusive husband.

If the bus-riding experience is as dreadful as you imagine, then surely the people that still decides to do so despite all this are at their most absolute desperation. And you want to take away their last lifeline?