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For completeness, might as well add not excellent for those who have a car, find driving more convenient, but can’t afford the toll.

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If you can afford a car in NYC then you can afford the toll. Cars are very expensive to own.

If you could afford the car only just, it's quite obvious you can't afford it if you now have to pay congestion charges on top.

Technically true, but it's a megaluxury that comes at a high cost, especially to everyone else.

At that point you're already living beyond your means. Automobiles take up, on average, 15% of the gross income of the average American.

Just take the 15% gross salary raise and move on with your life.

Oh well then. Either spend less on the train (also saving money on gas and maintenance) or stay in suburbia. We pay a premium to live in the city, much more than the $9 so I’m not gonna shed any tears that it’s not much less convenient for someone to not drive

Driving is almost always more convenient on many levels, so it’s not really the best argument start from “it’s just easier”

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