While your axe-grinding on behalf of such people is doubtless justified by your own situation to some degree or other I should point out that there are other non-drivers on this forum, myself included, who do not believe it is government's job to "bail us out" when the shortcomings of making such a personal decision as not driving become clear.
Two points on that: Firstly, if everybody drove, the country would come to a complete stand still. People (and politicians) cannot continue to drone on about congestion and pollution, and then formulate transport policies (and economics) that will make those problems worse and worse.
Secondly, and more relevantly, you will notice that ALL the examples I quote are from the M25 bubble. Why should London have a forest of Magic Money Trees, but no one else can have even a sapling? After all, London's congestion problems are largely of its own making, in demand the economy is centralised their and then whingeing there is no room to house and transport the people to control the economy. London controls the Free market economy, but demands financial protection from it's downsides, whilst wanting to keep all the benefits of its upside.
Its all very well saying the (London) Government shouldn't "bail out" those that DON'T create congestion - whether the reason is wealth, health or principles (mostly the first two), but you obviously believe it IS the Government's job to "bail out" the rich using the taxes of the poor.
Charles Darwin meets Margaret Thatcher at the pearly gates (with no comment as to which way either, or both, went next!); Darwin explains the Theory of Evolution and Law of the Jungle to Thatcher. Thatcher says, that's crazy; can't we tax the antelopes and gazelles to subsidise the leopards and tigers?
On a personal level, the one selfish comfort for me was the naive thought that living in large, low car-ownership area with well loaded buses from 0600 to 1900 (and later until the licensing laws changed) meant I would always have a good service under the free market. Compared to others referenced above, it is still the case, but more and more we are seeing these captive market services squeezed (headways slashed, fares increasing way beyond inflation, punctuality problems not addressed and vehicle quality reduced), simply because the Operators know most of the "customers" don't have a choice. This has only happened in the last 3 years though, it wasn't that "personal" for the first 28 years of De-reg.