Exactly, like I said, just do nothing and everything will be fine.

Yeah, my state is larger than England with population of about 10 million with no public transport. Not to mention our particularly harsh winters that would make a scooter impractical for 6ish months out of the year.

Most everyone buying a car does get a traditional loan, did I miss something stating people were using credit cards? Also, a lot of commutes include highways which scooters/mopeds can't reach the speeds necessary. Unfortunately cars are a necessity for many outside of the few cities that have actual mass transit.