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Yeah, but the train goes from my house to my destination. Not 10-20 minutes away from my house and 10-20 minutes away from my destination.

Fair enough. But keep in mind cars only solve this last mile problem when there's high throughput roads connecting all possible trip starts / destinations. In American we have this infrastructure (at a great cost in city design and tax payers dollars), but cities in many other countries don't have this and don't want it either.

Trains don't have guaranteed personal space, nor do they proceed from one's origin directly to their destination.

You might not value that, but lots of other people do.

Like a train without the worst of the public, where any individual can choose their preferred spot for a station.