1. Are you saying the problem is cars are too expensive and too expensive to maintain because they are too complex?

Cheap cars are more dangerous. Simpler cars have higher emissions. I think the more complex ones are better. I would like to see legislation against the anti repair methods manufacturers use

2. Cars let you take longer trips. One of the Australian capitals had a train to the beach towns. That right of way was taken by a highway and the railway now only runs a tourist route between the three or four beach towns but not to the city

With cars less needed other transit methods get built for popular trips

Failing all that, hire a car the few times of year you want an out of town holiday would be cheaper even than a very cheap car

3. This one is completely correct. Last time I had a car problem I had a choice of tow companies and mechanics. Government services are monopolies but they're pretty proof against failure. The worst that might happen is you might buy a car that turns out to be less valuable than you expected because it's bad quality or the company owner turns out to be a nazi. But even that only costs you if you need to sell the vehicle.

I envy you for your walkable city. I don't think I did better by getting a thousand square metre block and a detached house. I'd like to see our cities made walkable and the outer suburbs connected by rail so no one needs a car. I'd like to see cars banned from the city centre except working vehicles, taxis, disabled people, tourists with a hotel in town. For long trips off the transit network one would take a train to a car hire depot out of the city and drive from there. Hopefully cars will be sufficiently smart that the fact the drivers will have little practices will be mitigated