I think you’re suffering from a false dichotomy. The average car capacity is 1.1 people per car, and 90%+ of the time, a normal individual is not hauling more than a backpack. Just imagine how much less traffic would be on the road if the people who could just biked. They get 1 protected lane (out of 6), and you get 50% less traffic? Hell yeah, that’s be awesome, right?

In terms of economics, consider how terrible car parking can be. A bike rack can park 20+ people in the space of 1 car parking spot (1-4 people). Do you really think a business would be better off with 1/10th the number of customers who can actually enter their building at once?

Bikes and rail should exist as options, not requirements. And when done well, like in Amsterdam, people will like using them. And driving will be even better, because of so much less traffic.