In North America in September of 2022, your statement is not wholly wrong. Building cities around the car is a privilege that NA cities have enjoyed in the decades of unparalleled prosperity and abundance that followed WWII.
However, we saw in just the past year the consequences of even a moderate increase in the cost of gas for the average American, how they reacted to it, and how they learned from it. From that, I think I can say with fair certainty that the American brand of city will not cope well with any meaningful shortage. There are other, longer term problems that will begin to show themselves as abundance wanes as well.
A car can only ever be as useful as the roads it drives on, and the same with a cargo bike. If there are copious protected bike lanes that go everywhere you want to go, you would bike everywhere in just the same way you drive everywhere today. The only difference between them is how they deal with black swan events that threaten the abundance that drives driving.
I'm not trying to be a doomer here, but most places can't (and likely none should) build expecting that they're always going to have the resources to sustain excess. This isn't a knock against you either, you don't always have a choice as to where you live and the means available to you to get around. However, it is worth being aware of the narrowness of this perspective.