Amtrak doesn't compete with local roads, it competes with interstates.
Personally, I think people should be paying more for using the roads. From what I can tell, most states' use related taxes (gas taxes, registration taxes, etc) account for less than half of total road funding. This makes driving artificially cheap compared to mass transit options, to the point where it's often cheaper to drive than to take a bus or train, which is absolutely ridiculous. For example, my commute is ~10 miles, and the IRS claims this costs me $5 (~$0.50/mile). I did some math and estimate that my costs are closer to $0.30/mile, probably less (insurance, registration, gas, maintenance). A bus ticket is $2.50 each way. The bus takes >40 minutes assuming I ride my bike there, >60 minutes if I walk, and driving takes ~20 minutes.
Assuming my state funds roads ~50% with income taxes, switching this over to purely use-based taxes (gas and registration taxes) would likely double my driving costs, making mass transit make sense financially, as it should. It certainly uses less resources to take the bus than drive, so it should also be cheaper. Yet it doesn't look that way according to my calculations.
Also, taking Amtrak is often more expensive than taking an airplane, even if direct routes exist, and it takes way longer. Amtrak should be way cheaper than flying, yet at best it's a wash, but usually way more expensive. We need faster, cheaper trains, and trips within 800 miles should be competitive with airlines (<6 hours, about the same price or cheaper than flights).
In terms of road maintenance, that might actually not be the case. Road destruction by traffic scales with the fourth power of axle load, for weak pavement surfaces and heavy loads with the sixth (!) power of axle load.
(Of course you are right with respect to traffic congestion, CO2 emissions, particulate pollution and noise pollution.)
With respect to the rights of way, an asset unused goes away. That is a big reason why car companies bought out streetcar lines to kill them. I live in an area (Albany, NY) which was a big transit driven place until the postwar era. The New York Central, Delaware & Hudson and various streetcar/trolley lines had all sorts of rights of way connecting various communities in a relatively small area.
That stuff is all gone, converted to roads, parks and subdivisions.
For an entity like Amtrak, the rights they have in major cities are worth billions, but in reality are priceless. Without operating service, that value would diminish to near zero very quickly.
Amtrak is a speck on the federal budget. Itβs a worthwhile investment if only to keep the rights of way open for the future