And it's not that's some unusual thing, I shared the example above, that
  Marina District to Financial District goes from a 30 minute with ~3 miles
  of transit a 40 minute ride ~7 mile ride across half the city to skirt
  around car traffic.

No, that's just you avoiding the direct route because you insist on using rail. Pre-COVID there was the 30X to shuttle marina bros to the financial district. The subway to nowhere killed off the 41 which would've also gotten you from the Marina to the Financial District without having to go all the way to the Castro. As-is there are plenty of more direct routes: e.g. Van Ness to California to cable car, F to the Embarcadero and walk, etc. If you insist on taking the most obtuse route then yeah it's going to be a ridiculous journey.

  I think you're misreading the comment: The point is that for most major cities
  "at 3 am you expect a most things to be closed" is a such an obvious concept.
  But here in SF 10 pm might as well be "3 am".

Yeah, no. New York City is often called "the city that never sleeps" precisely because it's so unusual to never shut down. Cities all around the world shut down early or at odd hours. For example: for a long time pubs were legally required to close at 11 PM in the UK. Try running errands in Germany on Sunday sometime… Try getting anything to eat in Barcelona in the middle of the day. New York is not representative of major cities around the world.