I'll agree that it wasn't collusion or a conspiracy. Consumerism destroyed the streetcar and trolley. The public literally bought the "American Dream" advertised by Fannie Mae endorsed by FDR and supported by real estate developers. Those new suburbanites needed a practical way to get to and from their new homes and embraced car ownership and even the 30 year mortgage a temporary remedy needed after the Great Depression so the average American could own a home.