But very simple world experience helps us not have to always communicate this. Insurance in the UK varies dramatically from area to area and younger people hav

But very simple world experience helps us not have to always communicate this. Insurance in the UK varies dramatically from area to area and younger people have much higher rates. It's not pennies per year, we're talking significant sums. Not having a history of owning a car comes at a cost too. Public transport is slower and more expensive on a per trip basis, meaning without a car you often have both higher per-trip costs and less time. You are more restricted in where you can go and what you can do. The idea that the poorest would be much worse off if they had a car because they would go on frivolous holidays is bizarre.