Horse and cart was used for a personal transport very rarely, by a tiny subset of the population for a minority of their trips, the vast majority of the population lived within a walking distance for the vast majority of their trips, the invention of the steam engine ruined that and suddenly people started living within a tram-ride for vast majority of their trips, and started using trains to go on longer trips they simply couldn’t do before. The car took this to the extreme, and ruined the cities on a scale which the tram was previously unable to.