Bahncard 100 (which the OP did not mention) : not sure - it has possibly encouraged long-distance commuting (but that is tax- deductible in DE anyway). Has it provided effective competition vs air or road - our German readers might comment?
I don't think it's long-distance commuting (home-work-home) that the Bahncard 100 is aimed at encouraging - it's replacement of the company car for people who are travelling for business. It's noticeable on DB ICE trains how many first class travellers are clearly travelling for work during the day between cities, often in groups of 2-4 having and business discussions along the way. But it makes sense if you have factories or offices in different cities, or client meetings, or conferences some other reason. In the UK we're 95% focussed on "to and from London" as the only thing that business travellers are interested in, which is a shame.
If you are (say) a mid-to-high level executive, then you really benefit from having a no-restrictions travel pass in your pocket. Meeting running over? No problem, catch the next train. Sudden meeting in Manchester? No problem. Travelling peak in the morning, off-peak during the day, not sure whether your train through Birmingham to Nottingham counts as peak in the evening by the time you get there? Who cares. You have a Bahncard 100 pass, it covers absolutely everything, and that convenience is what you're willing to pay for. And then you ditch your company car, since at most you need a 10 min taxi from the station. Much better than 3 hours stuck on the M40 again any time you venture out of the office.
The UK rail industry, based on emergent behaviour, would much rather that all these people avoid the railway network entirely. You can tell this because of the existence of massively complicated grid-based ticket selections (hint: time is money, decisions per day is a measure of fatigue) and trying to sell one ticket at 67.50 and the next service at 68.45 but it's 5 minutes slower but this other ticket is only valid on the trains with a certain colour on the bodyside, so... Decisions. Complexity. Inflexibility. Not worthwhile.
Additionally, for better or for worse, these senior business travellers also have considerable influence in the way the world works, so if they are all in their saloon cars on the motorway then we end up with more motorways. Get them on the railways, then the railways have more influential friends. Which is certainly needed.