You really think traffic is filled with 5 people in a car? Try looking around in a traffic jam, it’s like 95% 1-2 people occupancy. At 5 people, just paying the congestion charge starts to make sense. Also you could always split the difference, driving some of the way and parking along the PATH line, ie at Harrison parking is $10-15 per day and PATH fare is $2.75 per person, it’s still possible to get in cheaper and faster by public transit even in contrived situations like this.