We should instead think about a system of tolls that has demand-based prices and that takes into account vehicle size. Tiny one person vehicles are going to be way cheaper than mass transit and there'll be no waiting, missed connections or end of service. They'll be as cheap as mopeds to operate.
Point to point will work if we have a sensible pricing system. Instead of waiting in traffic, we'll wait at home until there is space for us. If we can buy a subscription and get paid to wait or go earlier, we can put an end to most traffic jams and keep people from driving into those that do occur.
You might normally leave the office at 6:30 and drive 10 miles to your house. But if there's an accident and the "spot" price of your trip goes up, you'd be able to sell your trip for that day. You could make money by waiting. Or maybe you just take a bus.
And by reducing the number of people that jam the roads at peak time, we can spread out the load and spend less money building for peak traffic. This is how many markets work, like the hotel market. They don't build a hotel room that sits idle 90% of the time so that nobody ever has to pay a high price for a room. They charge more at peak times and that makes some people change their plans to avoid the peak price.