No, you're not a "bad person" you're just an idiot who is unwilling to understand the congestion problem.
I prefer to refer to "mass transportation", because that's the important point from first principles. (Public vs. private is irrelevant.)
For spread-out, *low population*, *low volume* transportation, cars are great. And trains... don't really work because they don't *scale down* -- they don't make sense unless you're moving hundreds of people.
For dense, *high-population*, *high-volume* transportation, cars don't work. They don't scale up. They take up too much space per person. No, digging extra tunnels doesn't help; you still have to get in and out of the tunnels. (It's documented that people, in cars or on foot, will prefer a tunnel which is less deep simply because of the time it takes to get in and out of it!) Trains can move hundreds of people in the space where cars can move a dozen.
It is consistently, and reliably, faster to go point to point by underground trains than by *car in underground tunnel* in any major city which has both. This isn't arguable, and it's actually bloody obvious. If you've ever been through the Lincoln or Holland Tunnel and *also* through the Amtrak or PATH tunnels, you'll get it. The number of people being carried through one train tunnel is a order of magnitude higher than the number going through one lane of a car tunnel.
These modes should be cooperative. When I get to the edge of a dense city, I trade my car for a train ticket. I should also be able to get out and easily grab a rental car or taxi to head into the countryside, which I usually can't. Rural autonomous cars would make this possible, if they are ever made to work (which will take decades).
Musk is currently proposing car/minibus tunnels for *urban traffic* -- this simply isn't a solution. It doesn't work. First principles tells us it won't work, and on top of that, it's actually been tried and it doesn't work. It shows a failure to do his research, which, you know, is something he could actually *correct* with a few days' study.
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The principles are actually similar between passengers and freight. Think about it this way: if Musk drills an underground tunnel between Tesla's seat factory and the Fremont general assembly factory -- to avoid the overground traffic problem -- which do you think he'll do?
1 -- drive individual rubber-wheeled trucks through it, carrying seats?
2 -- use some sort of physical tracks to automatically carry seats?
Even in the factory, they started out at low capacity using rubber-wheeled vehicles driving around the floor (following magnetic tape lines)... and have now, as capacity ramps up, switched more and more to pulling parts on fixed conveyor belts and tracks.