> but all the people who are barely making it who's lives fall apart if something on their car breaks.

Maybe people need to take personal responsibility and not spend money as if the government will make things easier for them and solve all problems. I am not claiming this is possible for everyone there are truly people who need help. But the vast majority of people can try to live in a way that they can have personal transportation (which has been around how long now?) and is reasonably enough priced currently.

Separately back before autos wouldn't people have had the same issue with horses or with even machines that they needed to run their lives or their business? Isn't it part of being human to plan for breakdowns of various things that you need that you can plan around failure?