We are talking about central London, not Greater London. Greater London is a massive area which has leafy suburbs and wide areas without congestion. Central London is where the worst of the problem is, where we have been discussing, where the congestion charge zone is, and where you (generally) wouldn’t see people commute to by car.

For what it’s worth, part of my commute is via car too. However I do then get the train into central London. So I would still be classed as a driver

Fair enough. If nobody has an incentive to commute to central London by car, why the need for a congestion charge?

The points are mutually inclusive. The congestion charge is one of the reasons why there is little incentive to drive in central London.