Well then I would confidently say that's stupid, unless they are using their commute time to work on something or catch up on their favorite shows.

Your most limited resource is time. Money is a distant second. And if those people arent monetizing their commute or taking care of their entertainment, they are wasting time to save some money. It's nearly as stupid as fracking - wasting water to get oil, only to later have a water shortage and a raped environment. And half as stupid as wasting your health for money, then trying to get it back with money.