Canadians are even more in debt than Americans:

http://www.theglobeandmail.com/globe-investor/personal-finan...

This would force people to carpool :)

or live in locations with better access to these resources

Because drug use is a unique experience and you only live once. Why do anything dangerous? Because sometimes the experience is worth the risk.

Being in a car crash is a unique experience.

There's some things you don't need to try.