In a sense that there needs to be a way to show that the status quo of only maintaining/expanding car infrastructure and providing nothing else as viable alternative is a dead one. Ridiculous insurance increases is part of that.

Fixed route and Accessible buses are possible even in smaller cities like Missoula, MT, population 70k, which provides fare-free transit service to its residents. In bigger cities, mass transit, urban and interurban rail needs to be explored and expanded today, else these problems will only get worse with no end in sight.