Agreed. Locally, driving an automobile is faster transport, but the time gained by driving is mostly lost since one still has to allot time later on if they chose to do any exercises at all.

Left on their own, usually most people will exercise to their own comfort level, but generally it is not to the level of what urban commuting or heavy cargo carrying dictates. Like comparing working at one's own pace at the workplace versus what the employer/customers/clients want.