Your life and all it's aspects, from the very start, have been engineered around consumerism and debt.
You have never experienced anything but mandatory debt driven transportation.
You know nothing but the car.
The deliberately decrepit and controlled opposition that you call 'public transport' and 'bike infrastructure' are engineered in a way that pushes you away from it and towards more consumerism and debt.
The deliberately decrepit and controlled opposition that you call 'higher density housing' is engineered in a way that pushes you away from it and towards more consumerism and debt.
You will never experience anything but this.
You never had a choice.
You will never have a choice.
You have no basis in reality on which you can make informed opinions on this board.
The 'opinions' you have are entirely controlled to steer you towards more consumerism and debt.
By every metric of human happiness and psychological well-being, you have failed as a nation.
No amount of front yards, backyards, pools, SUVs, pickups or other consumption will EVER change that.

Your opinion is less than worthless.
It's not your fault.

You will take the car loan.
You will live in a plywood shed.
You will insulate yourself from your local community.
You will burn gasoline for an hour a day.
You will drink the corn syrup.
You will not walk.
Your children will not walk.
You will chauffer them.
Your children will not have a sense of community.
Your children will replace community with consumption.

And you WILL be happy.