Even if we assume your opinion/conclusion is true, the fault for that lies with the government and society at large, or maybe just capitalism in general. It is not an individual issue when so many people live in areas that have been designed (often for corrupt/malicious reasons) around individual vehicle use.

I’d say that for individuals the risk is real and we should all try to be prepared for emergencies the best we can. Access to a vehicle is a prerequisite for having an income for many folks though. Other options don’t exist, and non-ownership vehicle options are typically more expensive (taxi/uber/lyft) or drag another person into the arrangement.