As someone who's stuck to owning a single bike for over a decade (tho I will probably change this in the coming year) for both athletic rides and commuting, I'll say the "it is seen as a serious adult thing to have a car" can sometimes make having a single bike worse.

If my bike flats and I'm out of tubes and I have a busy day planned, I have to take it to a local bike shop but those generally close pretty early. If I miss the window to take it to an LBS then I'm SOL. With a car there's generally a developed enough ecosystem that I can get a roadside assistance type service to put a spare on the car until I can actually get my car into a shop.

This is a good analogy for SaaS vs using a tinkerer tool. A tinkerer tool often can be customized exactly to your needs. I can work on my bike at 10 PM in my garage after dinner as long as I have the parts. But sometimes your tinkerer tool is going to leave you working all night or you'll be SOL. But SaaS is generally a full-time job for other folks. Sure you pay money, but there's fewer situations you're SOL.

(Personally when my bike is inop and I need to head to work I use transit.)