Morgans writes:

Yes, but you still probably need to use a car to start the trip from the
suburbs into the cities, because there is no rail feeder system to get the
people collected from wide and far to take the lines into the cities.

Railways can serve city centers _and_ suburban stations.

But yet, the rail freight needs to be subsidized, to stay competitive.

No, it does not. Rail freight is very profitable. Ask the Union Pacific,
which has been making big money at it for decades.