If I use public transport now, the travel time is 2 hours. To keep my public transport to 30 minutes, I have to ~2x my housing costs.
I think, realistically, people will just end up commuting further, to offset the cost, since that is the best financial, and time, choice.
[1] https://www.ppic.org/blog/multi-unit-housing-is-becoming-mor...
As opposed to travel cost?
(yes, it's a really stupid situation that renting a house is far more expensive than renting some money for thirty years)
If free electric charging is available where you work, you can save even more by buying a low range, used, electric that nobody wants. I picked one up for $8k. The savings will pay it off in a few more years.
Even so, the goal shouldn't be fewer cars but less miles driven.
The kind of antagonistic approach you prescribe rarely leads to good policy.
If we had walkable cities with good public transportation and people had actual options it'd be different.
There's an intersection of anti-car and social justice concerns where you have to ask where the financial burden is hitting.