(Deserting engineering after a year in a factory, Amitabha Banerjee did an MBA in the US but returned to India to be a ‘first-class citizen in a second-class country’, rather than the other way around. Choosing work-to-live over live-to-work, he joined banking and worked for various banks in India and the Middle East. Post-retirement he returned to his hometown Kolkata and is now spending his golden years travelling the world (until COVID, that is), playing bridge, befriending streaming services and writing in his wife’s travel blog.) 
Inside story of the National Stock Exchange’s amazing success, leading to hubris, regulatory capture and algo scam
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Likewise an app taxi cannot replace the utility of having your own car in an emergency. And at that point everyone feels glad they maintained a car even it did cost them more.
The real importance of car was highlighted when we had to go few kms in search of medicines or ration during the initial days of the pandemic when fear levels were very high.