It’s weird because I associate car ownership with wealth! I’m in my 40s in London in the UK earning an ok salary and neither me nor many of many friends have a car.
I don't know much about London, but in the US the arrangement is that expensive cities provide work and hoards of minimum wage workers live in exurbs 1-2 hours away from those cities. They have to wake up at 6 am, spend an hour or more in atrocious traffic on a highway with other minimum wage workers, then do the same in the reverse at the end of the day. On a bus it would take 2x longer. They don't have a choice. Now if you force them to swap their rusty gas cars for ev ones (beware, 3k usd for them is a massive expense) and force them to spend 1 hour a day recharging those ev cars, the US economy would stall as the wealthy hipsters in the cities won't do the service jobs.
Maybe provide a fleet of clean, well run, electric, regular scheduled, buses and they won't have to sit in the traffic in their individual cars.
Provide bus depots with car parking in the exurbs so that there is the possibility of short driving commutes to/from the depot.
Use smaller, much more frequent, shuttle buses to pickup/drop off "on demand" between houses and those hub depots, then they don't need the car to get there.