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I don’t know how else to explain that by taking public transit I’m not paying for gasoline to power a personal car, meaning money I would have spent on gasoline from the gas station is money I now have for more expensive goods I can’t avoid buying, like food. People who aren’t taking public transit are paying for more expensive shit and also more expensive gasoline.
This is basic math.
And I don't know how else to explain that your laughter is misplaced because you're going to suffer right along with everyone else anyway.
You're saving a bit on gas by taking public transit. Whee, bully for you. Lots of people save a bit by doing little things to save money. I keep the thermostat in my house lower than most people do because I like wearing fluffy housecoats instead, but I'm not laughing. It doesn't protect you when everything gets more expensive.
They're laughing at you/us because they don't pay for a car, which means either they don't have a job or they live in a very population dense metropolitan area where the cost of living offsets the money they save by not having/needing a car. So yes in those areas you can have a car, but parking is severely limited, you pay for a parking space, parking just about anywhere else gets you towed, so most people just take the bus/train. If the bus/train is late, you might lose your job, but there are other jobs and your boss is probably late sometimes because they also can't afford a car. They get accustomed to this life and shame people who have cars because they envy their freedom, and their lower cost of living. Misery loves company, after all.
But they are right in that they don't have to pay for gas, or car insurance, or car maintenance. They still pay it in higher rent, utilities, and goods and services in the area. But they consider those costs sunk and therefore, do not factor them in. They think they're winning, when really, at best, they're no better than we are, and in some ways they are, but in many ways they're just as bad if not worse. But they're also shaming us for living the way we live, so that's worse too.
The goods you buy are transported to the stores you buy them from with fossil fuels
The public transit is, in all likelihood, powered by fossil fuels, which may make prices go up
Even if it's an electric train, or your goods are being delivered by electric trucks, etc. there's a good chance that the electricity is being generated by fossil fuels
But even if it's not and it's coming from solar, hydro, nuclear, etc. those are still likely reliant in some way on fossil fuels some extent for vehicles used to provide maintenance, deliver new/replacement parts, etc. and probably for backup generators to make sure critical systems stay powered in the event of an emergency shutdown, so the price of the electricity is going to go up.
You're really not as insulated from this as you seem to think, basically our whole economy is based around fossil fuels, when the price of them goes up, the price of literally everything else does as well. Sure, you're not outright paying directly for fuel, but everything else you are paying for is going to go up before too long.
Edit: also a lot of plastics and countless other materials you almost certainly use daily are made from petroleum.
You are not nearly intelligent enough to be this confident.