You're quite correct. That's the nature of business, buy low, sell high(er).
It's further the very nature of a product to make you think you cannot do without it. I have been using my own car alot less, which lowers my bills. I'm not happy about it, but that's life and always has been.
Nobody says it's ethical or correct behaviour, but you can get your own back.....use your car a lot less, walk as much as you can. In doing so, you can shout at aggressive cyclists, as you will now be the bottom of the commuting order......but you can have a pint or two on the way home.......
Which is nice.
'G' - For Freedom, Justice and.... the other one.....