It’s a bit like saying “sure, a cinema that refuses to sell more tickets than it has seats leads to a better cinema viewing experience, but only if you remove price from the equation!”
Cost is explicitly being traded away here to facilitate improvement in other areas. That's the whole point of implementing the toll/tax!!!!!
The latter in this context would be to e.g. build higher density housing so more people can feasibly take mass transit, as opposed to congestion pricing which is just a tax on people who can't afford the artificially scarce housing in the areas where mass transit use is feasible already.
there are some who the charge would be significant (long paid off reliable used car) while others who it is a drop compared to the othes costs (new luxury car)