I'm not going to add anything meaningful about "breaking a bone" and universal healthcare, but when it comes to a car breaking down there's something to be said about how the American car-culture and its suburban-centered development is actively at work against America's poor people.
Not sure how that can be remedied in the short- to medium-term, but something needs to change about how urban planning is done.
As she has explained to me, urban planning (esp. in denser cities) is very much about increasing density, improving transportation options (e.g., walk/bike/transit), and ensuring neighborhood access to essential services (groceries, medical care, etc.). Equity is a huge concern for most planners as well.
The problem isn't so much "improving urban planning" as "making elected officials and taxpayers listen to what the planners are saying".
Ghettos are cheaper than suburbia but the trade off is less security and selling your kids future down the toilet.