Your numbers are an order of magnitude off. No suburban (not rural) American has to drive more than a mile or two to a grocery store, and if they commute by car

Your numbers are an order of magnitude off. No suburban (not rural) American has to drive more than a mile or two to a grocery store, and if they commute by car, there are likely several on their route. They also can drive to far more stores in ten minutes than you can walk to, including time spent parking (which is negligible). Most people buy used cars, and spending more on luxuries isn’t related to the necessary cost of transportation. You’re doing the equivalent of using the price of first-class train tickets to argue that rail is expensive. Your insurance numbers are also very high, and a safe driver driving an average car would be paying half as much. The median commute is ~20 minutes, which is way less than 20 miles due to speed limits and traffic. An F-150 is also not a common commuter vehicle, and pickups are a minority even in truck heavy areas like Texas. Your original comment about price savings being minimal is also wrong; the savings on a single item at Costco is often more than $5 compared to a downtown store.