The thing you’re missing is that I spent much less than $100 a month in transit costs when I lived in SF. When you have a car there, you will spend probably $500-$1000 on the car, the insurance, the gas, parking meters, etc. Then you will likely need to pay for a parking spot. In the Mission the going rate before COVID was about $400+ a month. My friends who had cars and didn’t have dedicated parking would also get $75 parking or street cleaning tickets fairly often.

So I literally could take a $5 ride each way every time I didn’t feel like walking and I had a huge cost savings, much less hassle with parking and street cleaning at 6 AM, less environmental impact, no problems drinking and driving, etc. After a while, most people without dedicated parking end up leaving their car in the same spot as long as possible and mostly use it for weekend trips outside the city.

Driving a car around SF is generally more than 20 minutes. Most areas downtown can be reached in the same or less time by bike, and it also removes any issues with parking/waiting for a car.