@Concerned_Catgirl the solution to that would be having a society where you don't really need cars to live a great life. so if you couldn't afford a car, it would not affect you.
for me, it's a fun mixture of not being able to afford one and not wanting one at all :D
but I'm sometimes frustrated at how much more I would have to pay for a train ticket than other people pay for a rental car, for example.