Our car died on my wife Thursday night, so Friday I didn't ride so I could pickup a rental car for the weekend, had to deal with a sleazeball guy dooing the high pressure sales thing for extra insurance. Then the stop-start traffic for an hour to get home. Monday took a day off to replace the dead car, more driving in traffic, more sleazeball car salesmen, paying out cash to the repair shop for telling us the old car wasn't worth fixing, paying out cash here, there everywhere. Too late to drop of the rental Monday evening, so Tuesday I don't ride and drop off the rental, pay out more cash, transit to work and home. Could have put my wife and I on DA equipped CF road bikes for the cash we spent. All the time I'm thinking "this is the commuting mode of choice for 85% of the workforce, they're insane."