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Or war.
Think about all the civilians in Ukraine driving west to Poland, fleeing the invading Russian troops.
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In this particular scenario, you’re probably fucked no matter what. There are only a handful of roads out of SF, and a lot of them will probably either be congested or crumble.
That aside, I get what you’re saying.
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A car provides optionality. If there's a major earthquake in SF and the grid is fucked and you want to get out but there are no busses, a car will be how you get out.