As much as I personally disagree with you, given that all you're thinking about is your own benefit, and not any of the myriad of benefits to the city, the world, the people who can't afford cars, etc, I understand that your outlook is shared by the vast majority of Americans, and can't be ignored if we ever hope to have an effective public transport system.
We're going to need to somehow devise a system so convenient that it actually sounds attractive to the huge amount of people who spend 10%+ of their paycheck on car payments not because they have to, but because they want to.