As someone who enjoys riding their own bike, but uses their car for needs that cannot be met by bikes, I don't think this is just grievance. You can be sour about reality.

SF in particular can be a pain in the butt. There are scearios where public transit works, and many where it doesn't. Biking there from anywhere else is not viable. I need to drive into it in cases when transit doesn't work, and the city is hostile to me trying to spend money. Great for some of its own residents, not for all of them, definitely not for visitors.