Much of which is irrelevant because most people didn't have a bank account, their only form of insurance was a type of saving bond to pay for their own funeral, and you wouldn't see the doctor much because over half of you would be dead by 50.Actually this whole argument is completely missing the point.
Once upon a time not that long ago we got along perfectly well without cars. We lived in small towns and villages. Your local town provided pretty much all you needed. Local butcher and greengrocers would be directly supplied by local farms. The bank branch was in the town and the bank manager knew all his clients by first name, there would be an insurance broker where you got your insurances, the Dr could attend to most of your needs and a local cottage hospital could cope with the vast majority of your treatment.
And lots of people would get maimed at work, die early of industrial diseases, have no social mobility, no holidays etc etc.There would lots of employment - the bank had five to ten people, ditto the butcher, the baker, the candlestick maker. There may well some industry close buy, and of course agriculture employed a lot. But local builders would use local materials, supplied by local people.
It's not in the name of commercialism, it's in the name of welfare, living standards and a better future. It's a fact which this comment omits that modern living standards and health and welfare provision required those changes in productivity and the economy.Nowadays in the name of commercialism
But the large majority of the working class people wouldn't be able to afford them often.Most of us buy our good from supermarkets.
New housing is far away from any shops
Farms are factories working on contract to supermarkets, so farm products are trucked from the farm to a central processing unit at the other end of the country to be turned into convenience foods in vacuum packed portions with lots of branded packaging, that then goes to a central distribution hub, that then gets delivered out to the supermarket, where you drive to buy it, to take it home. And you buy it as you drive home from the big town or city ( which you can’t afford to live in ) where you have spent all day in a large open plan office dealing with mortgage applications or whatever.
Whereas in the past you would taken the lambs from the farm to the local butcher in the back of the van. You would have walked round the corner to deposit the money’s from the lamb in the local and exchanged pleasantries with the back manager looking forward to the shooting season. You would pop into the hardware store and agricultural merchants for bits and pieces.
The following day the store owners and bank manager would pop into the butcher and buy some lamb chops for their tea.
Is it really? There's something of a shortage of agricultural labour and no rules preventing you doing it. Perhaps there's something more that you've omitted from consideration. If you are now older than your early forties, you could expect to be dead.And the walk home popping into The pub that has beer from the brewery which is five miles away.
Most still do similar jobs, but all the jobs have been centralised. So we all commute many hours each day. And our food goes many hundreds of miles in the opposite direction.
It is just utter madness when you think about it.
Even if we were mad enough to want to, we wouldn't be able to go back to that because of net zero policies. Our carbon emissions are far lower now.

