One of the key difference between a monopoly market and a competitive market is the fact that in a monopoly market entry and exit costs are high, while in a competitive market they are low. By entry costs they mean how much it costs to set oneself up in a certain line of business. Exit costs, I think, have something to do with closing shop, selling or tearing down plant and facilities, environmental cleanup, and the like. Here, I am applying the concept not to entering or exiting being in business for oneself, but to exiting or entering the automotive lifestyle, which is to say entering or exiting the car-free lifestyle. Let’s say you attempt to pro-rate (per daily commute, say) the multiple financial burdens of the automotive lifestyle–car price, loan interest, loan gotcha clauses, insurance premiums, insurance deductibles (probabilistically pro-rated, I guess), tax, title, registration, part$, $ervice, police $itations, turtle wax--the whole ball of whacks. Let’s say for the sake of argument that your best guesstimate turns out to be more than bus fare. At first glance, it would appear to be a no-brainer. But there’s a catch. If you stop driving your car you stop paying for gas and probably most of wear-and-tear (since you have an unstuffed garage to put the car in, riiiight?). You should also qualify for one of the lower mileage brackets for insurance purposes. But you still need to keep your plates etc. current; the lion’s share of that cost, of course, being that insurance is a prerequisite for registration. The obvious solution is simply to sell your car. The catch this time is that now you’ve taken the plunge and committed yourself to a 100% car-free lifestyle. By forking out $ on keeping your car “legal” you “keep your options open” for eventualities ranging from road trips to bus driver strikes to J.O.B. interviews not within walking distance of a bus stop.

It sounds like you are endorsing the spooky-scary "15 minute cities"