[_rend]

> Financially, a doctor won't notice it.

Not all doctors make enough money to not notice it, especially ones earlier in their career.

Regardless, assuming you have two working adults each paying the $15 toll once a day, conservatively, working 250 days a year, that's $7,500/year that has to come from somewhere. I can't imagine an income level (even if it doesn't affect your quality of life) where that's not an insanely frustrating amount to pay… to the MTA of all places. That money getting reinvested into useful infrastructure would be a dream come true!

[conjecTech]

You make it sound like they have no alternative. A literal majority of the city uses the trains regularly. The person you're describing can just live within walking distance of a station. The $20k they arent paying for the car and tolls should be just about enough for the rent on a 1 bedroom.