Public transport is always cheaper. Nonetheless, it isn't always dependable. Therefore, in that sense, it can be more expensive. For instance, if you could ride your bike to work, then you'd miss possible traffic jams. Also, if you had your own car, then you might be able to take a quicker route to whatever destination your heading to. Anyhow, what would happen if you lost your job due to traffic jams? You would lose money, right?