now imagine this same scenario where you have a choice between driving your truck vs. public transit or bicycle infrastructure. Sure you may not use it but others may no longer be required to own a car and drive it for such short distances in the first place.

the net difference of owning a car vs not needing one and hence not owning it goes beyond just monetary gains.

The argument is not one based on changing behavior at an individual level. Its about policy and urban design.