Comment by Fricken
I ride a bike, and doing so has saved me about $450k in transportation costs over 3 decades. The effort it takes to earn $450k is something to include amongst the unpleasantries and pathologies associated with driving.
Now, of course, I've had my whole life to set up my whole life the way I want it, and with a little foresight it really wasn't that difficult to set it up in a way that facilitates getting around on a bicycle. It involved making choices. Choices about where to work and live. If more people made such choices, there would be more options available to facilitate them.
450k tax-free, too, because it's a cost saving and those aren't taxable*.
Myself I've not driven at least since late 2017, thanks to excellent and cheap public transport; even before the Germany-wide €58/month ticket, the more expensive Berlin-AB ticket that I used to get was much much less than your $15k/year.
Do most people plan like that?
* usually, though IIRC buying a house in Switzerland gets you a tax equal to the money you saved from not renting it?