Someone just asked me, "why do you have to register to vote? why can't I show up with a passport?" - which sounds reasonable until you start thinking about local elections, where you need to prove that you live in a certain area, and then the need for some sort of registration becomes more obvious. (Or another refactoring of the system, at least.)
Same here - people think, "why do you need a car, I certainly don't need one on the Upper East Side!" - and for them, they don't. In rural Texas, not having one means you're very geographically bound, and effectively unemployable.
So, for some things, I don't think it's just a lack of empathy; it's just a quick knee-jerk comment on an internet forum.