Car ownership is lowest in the lowest income brackets, and public transit ridership is highest among the lower income brackets. I really don‘t understand how you can reach your conclusion that not driving is a luxury. Data would suggest the exact opposite.

EDIT: To clarify on the public transit usage. The data is by-modal. Lower income levels are by far more likely to use road based public transit (such as busses), but high earners are more likely to live near a rail station and use rail based transit: https://cepr.org/voxeu/columns/public-transit-access-and-inc...