Earlier quoted context omitted.
I doubt many people are paying 20%+ of net income to commute in you'd have to be on minimum wage and a reasonable distance out (in which case you might as well just work locally) 10% however I can believe
Annual season ticket to London from Peterborough, at the edge of the commuter belt with relatively affordable housing is £9,500 (including Tube) That's 20% of your after tax income if you're on more than double the median UK salary
Sounds like the commuter rail is pricing itself just below the cost of a car.