AFAICT, the majority (60%) of funding for roads doesn't come from direct user charges...

Roads are subsidized, free parking (and generally a lot of paid parking) is subsidized, and the sprawl encouraged by car dependence combined with the resulting infrastructure costs has and will continue to bankrupt cities.

I don't think we should "just only have trains", but the current US transit landscape is absurdly stupid and inefficient.

Huh? Last I looked, roads are paid for by the general public, not (car) road users?