Which absolutely does start to explain the lack of transit inside many of these metros: at the same time the rails were converted to mostly cargo only a lot of the suburban commuter lines were themselves "lost" to time or destroyed. It's utterly depressing to see the old passenger train maps in America and compare to what some of those passenger lines could be serving today if like Europe they'd been kept up/maintained.
A lot more of the suburbs in every American city than people realize were served by trolley and passenger train in their infancy that they grew around, and just because many of the lines have been "lost" over the years doesn't mean that their skeletons don't still show in the overall growth pattern. (Until you get into the entirely car-dependent exurbs and "suburbs of the suburbs", of course.)
America outsourced public transit to the lowest bidders, they got bored serving people directly and went with focusing solely on cargo, and people were too busy driving everywhere to notice what they lost.
That is because whites moved out and systematically starved the cities of a tax base and state funding for infrastructure projects that would benefit minorities.
It doesn't explain the lack of transit inside the metros.
Metro population density is far more important.