For completeness, might as well add not excellent for those who have a car, find driving more convenient, but can’t afford the toll.
Oh well then. Either spend less on the train (also saving money on gas and maintenance) or stay in suburbia. We pay a premium to live in the city, much more than the $9 so I’m not gonna shed any tears that it’s not much less convenient for someone to not drive
Driving is almost always more convenient on many levels, so it’s not really the best argument start from “it’s just easier”
If you can afford a car in NYC then you can afford the toll. Cars are very expensive to own.