eh, I disagree. a personal vehicle can (generally doesnt because traffic is a thing) provide a sense of freedom. there's a certain romantic appeal to having your own vehicle and there's certainly freedom in an open road - if you ignore the fact you're roped into buying fuel and general maintenance for said vehicle. the only way I can see fear being a factor would be the "can I afford the next major expense".

mass transit is more efficient, cant really argue against that, but it's in no way individualized or even customizable in any way at a personal level. you also have to base your entire schedule around the bus/train and then when it doesnt show up on time (or show up at all) you're basically fucked. a personal vehicle has none of those failings. as a matter of fact, in many places in America you're required to own your own vehicle because the cities are few and far between... existing without owning a vehicle is akin to being stranded on a deserted island - you're cut off from the rest of the world. most folks dont like being physically cut off from society - preventing it isnt selfishness, it's being prepared