Can you help me make this analogy more useful? A household owning a car is like a tiny business hiring a jack-of-all-trades (but master of none ...). Your mobility needs during the course of a whole year can be likened to the skills and labour needs of a new business contemplating its first employee. Having a car gives you a tool that handles most of your mobility needs. It is like hiring a full-time staffer who is a 'jack-of-all trades'. He or she is versatile but not especially skilled or quick at any particular task. There are significant fixed costs too. You have to pay him or her about the same in both busy times and slow periods. In both cases there is an alternative. A family can refrain from getting a car and rely instead on the various alternatives. That's like the small business putting off that first full-time employee and deciding instead to engage a series of contractors to do tasks that the owner-founder can no longer handle, as and when they ar...