no - it will be getting very expensive servicing while you're enjoying 200K+ trouble-free miles

You're equals in that regard, but try riding a motorcycle one day. I live in a country where lanesplitting is legal. There's nothing quite like getting passed by an extremely expensive car, and then at the traffic lights, cut in front of it.

Unless they pay for the express lanes

The owner can afford to use the HOT lane at any price.

Not in LA/socal. The secret is out. There's a bunch of underground tunnels that rich and well connected people can use, that the little people can not.