Instead of making poor people poorer, why not tackle some structural issues. Like, why does a poor person have to go into debt by 15K USD at 15% interest rate

Instead of making poor people poorer, why not tackle some structural issues. Like, why does a poor person have to go into debt by 15K USD at 15% interest rate to buy a car just to work a job that pays 15-20USD/hr? This is financial lunacy. How can cities afford to service such spread out metro areas? The police have to burn fuel to cover everywhere. Why force stores in denser areas to have so much empty, ugly parking spaces? Why not let stores pick how much parking they want to have? We need a fleet of school buses to shuttle kids to schools. Why can't kids just ride a bicycle, walk, or talk a public bus? This is insane, especially in cities as dense as Miami. China has much better ROI on their people, infrastructure than the US. Density or no density, I don't see how the US stays competitive wasting so much money on fluff like gigantic SUVs and huge green lawns that serve no purpose other than some e-peen contest. I think more than anything, I am seeing a kind of defeatism in people defending this car-centric status quo. "This is the way it is, so it has to stay that way by force of law." Just let go...