Just a wild guess, the "vast majority of your adult life" are the experience you imagine the whole world has, yet they were spent unattached, without children or supporting so much as a cat, never mind children in a rich area of a huge city (and yes, San Francisco counts as huge) ...

Clearly we should design the entire planet around the frustrations extremely rich Californians experience ($100k per year is almost 2 TIMES the median income, and makes you part, as an unattached person, of the top 7% income earners in the US. Let's just stop pretending and point out the obvious: to fix income inequality in the US, these incomes are what needs to be taxed MUCH more, without, of course, providing any more government services for that extra tax for you. You do not need it. Plenty of other people, 93% when not even counting those outside the US, do need it)

Sorry for the derision, but you were doing it to me.

The majority of it was spent attached, with a child, and several years of it taking buggies on public transport.

And no, San Francisco is not huge - San Francisco isn't much bigger than my suburb.

You also seem to think I'm in the US, for no good reason.

So that's wrong on every count.

San Francisco Muni has a daily ridership of 658k. Do you really think it would be better if all of those rides were done via car?