And yet all of the desirable(aka expensive) places to live are mixed use dense neighborhoods built before the concept of Euclidean zoning? Eg. Old pre-zoning, pre-car neighborhoods in Toronto, New York, Boston, Philadelphia, ect.
On the occasions you are moving something larger than can fit in the bike you can take a cab/rent a car or truck. If you are regularly transporting things larger than the cargo bike then perhaps you need a car but I guarantee you 99% of people are not moving 300L of sand every weekend.
Also adults and people older than 10 can ride their own bikes.
The Netherlands is also notoriously rainy and windy.
The point is you can replace 90% of your trips with a bike, not that you can never have motorized transport. 90% of car trips in America definitely do not need to be in a single occupancy vehicle/only need to be because we've put everything so damn far away from everything else to accommodate cars. The latter part of the second statement does not apply if you live in a pre mid 50s city