Subways are not safe and it is terrible to go by subway when you can travel with car everywhere.
If you make $120k in NYC supporting a family of 3 (husband, wife, 1 kid), you are left with almost $1k with extremely tight budget. Now, $9 a day will cost you (22 days * 9 * 11 month) = $2,198.
Not everyone values time. Poor people, lower middle class and middle class need money and food on the table and not additional expense out of pocket for comfort of upper middle class and rich people.
Upper middle class and rich people value time because that is the only thing they can optimize. Money is imaginary and can't do better beyond certain level (think $2 MM Net worth).
America NYC is now so arrogant that it is making roads exclusive for people who make lots of money (>$150k).
Subways are very safe, you obviously don't live or have spent much time in NYC. Millions of people ride them daily. Office workers making $$$, teens, everybody.
Driving is likely less safe. And you still didn't tell me why somebody is driving into Manhattan below 60th st, 5 times a week. To commute? What type of job would it be?
A woman was set on fire by illegal alien. What are you talking about Subway being safe? Obviously you do not care because woman was not from Privilege race aka White. There have been hundreds of deaths for no reason where people were pushed on the Subway. I don't (and won't) post gore but look it up. It is horrifying.
You are the one who do not live or travel within NYC.
Why go below 60th? Because they want to be in the office or have some work to do? Why there are millions of parking