I'm much less likely to get randomly harassed or robbed or stabbed or catch COVID in a car where I am the sole occupant. I'm happy to pay extra to drop the chances of those things down to 0.00%.
If that makes me some kind of class supremacist in your silly world, then guilty as charged.
You are much more likely to be killed or seriously injured in a car than you are in a transit vehicle.
How often do you think that happens to transit riders? Your concerns seem overblown. And by driving, your odds of getting hurt or dying in a car accident go way up. You’re trading one set of risks for another, not eliminating risk entirely.