Why yes, of course ! 100% of low income people are fully served by public transit everywhere. Why didn't I think of that?

Over a quarter (by some accounts almost 60%) of Americans live paycheck to paycheck, spending 90-95% of their money on necessities with no margin for emergency expenses.

It's a country with very limited access to public transport, as evidenced by the fact that >80% commute to work by driving their own car, and <5% commute by public transit, bike or by walking. That's not by choice, it's a consequence of the infrastructure which offers very little in terms of options.

Given these facts, I'd categorize your take as cold.

Man, that ain't a hot take, that's a shit take. Don't be classist

Even if we assume your opinion/conclusion is true, the fault for that lies with the government and society at large, or maybe just capitalism in general. It is not an individual issue when so many people live in areas that have been designed (often for corrupt/malicious reasons) around individual vehicle use.

I'd say that for individuals the risk is real and we should all try to be prepared for emergencies the best we can. Access to a vehicle is a prerequisite for having an income for many folks though. Other options don't exist, and non-ownership vehicle options are typically more expensive (taxi/uber/lyft) or drag another person into the arrangement.