NYC Subway, Metro North, and LIRR have much broader and more frequent coverage to a lot more places outside the urban core than the bay area's network does. Iirc muni metro has passable coverage inside San Francisco, and Bart and Caltrain service a few linear corridors outside San Francisco pretty well, but a whole lot of the bay area is very far from transit. This means that bay area commuters could not as easily switch away from cars. Though SF is still probably the second best candidate for congestion pricing after NYC.