I agree standard bikes are a poor fit for luggage. There are cargo (e)bikes that can comfortably hold large bags (e.g. https://larryvsharry.com/products/ebullit

I agree standard bikes are a poor fit for luggage. There are cargo (e)bikes that can comfortably hold large bags (e.g. https://larryvsharry.com/products/ebullitt https://larryvsharry.com/products/ebullitt). They may make sense at major rail stations, but the logistics of keeping them in stock at the station would be hard, and of course this doesn't solve the infrastructure or physical disabilities/age problem.