A white collar worker in good shape going from, say, Rego Park to Wall St is a great candidate for the subway. But that’s the happy path. If you need to go from there to the far parts of Brooklyn, or any part of the Bronx or Staten Island? Virtually impossible (if you want to get to work before lunch time) without a car. And certainly many with disabilities would have a hard time (as much as the MTA is improving on this front).