Have you seen the central line at rush hour in London? It's horrendous[1]. We are talking >7people per sqm, plus significant waits to even get on the trains. But yet, 100k+s use it every day of all socioeconomic backgrounds. I'd imagine mostly middle class/upper middle class professionals.

Why?

1) Traffic is terrible. It will take 1hr+ to do a journey the central line does in 15-20m.

2) Even if you want to drive, parking costs around $1500/month in the square mile.

3) On top of that, you have the congestion charge for entering central London (£11.50/day - soon to be £25/day if you have a particularly polluting vehicle).

You're looking at about $2000/month if you want to drive, which takes 4x as long and costs about 15x more than the train.

This is what happens when you price effectively for the externalities of traffic congestion. People will switch to transit en masse, and 'loud music' will not be seen as a problem.

[1]this also means there is the political will to build massive transit infrastructure, like crossrail, which will relieve the central line at a cost of around $20bn.