I'm really tired of people acting like it's just a free market where everyone is an equal, rational actor. There was a concerted effort to redesign Americana around cars that was not replicated globally, and you see the consequences of it play out in real time.
It's never been a free market. There was no golden age where everybody had access to public transit. There were zero public services at all, you were on your own. And often had to contend with bandits and worse.
I'm really tired of people acting like the only thing standing in the way of utopia, is capitalism.
I think you're thinking of Skyrim and not the actual world, but there are certainly historical periods that were famously bandit-free even in antiquity like the Mongol Empire.
I know this story and for a long time believed it. But it appears that developers building new towns (urban expansion) in the mid 20th century put in streetcars to get people to move in (connected to city networks etc) and ran them at a loss. As the new town filled up and the developers went on to the next one, the streetcars became the uneconomic responsibility of the town.
Funny enough, this is being repeated in modern times because a lot of transit activists want to force all transit to be free and instead be funded by theoretical rich peoples' taxes.