Even with the new Central Subway that opened in SF (which I assume cost billions given how long it took to develop), wasn't a clear net-win. Muni closed other Metro routes when those opened. Depending on where you're going, you might be worse off now.
While RTO may be increasing ridership numbers, Covid did change population and commuting dynamics. Transit orgs need to adapt, and maybe accept downsizing / focusing more on a smaller scope. In Bart's case, maybe it would be wiser to focus on the core Bart system, and not the more recent expansions (the East Bay trains that are totally separate from the rest of Bart, and the Oakland airport train). Maybe a stronger look should be taken at merging the disparate transit organizations themselves, to reduce administrative overhead?
Caltrain seems to be doing better than others - they have financing worries themselves, but are on a better track from my understanding. Pun semi-intended :)
Transit is important, and I feel like the current organizations keep letting us down.