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Since my wife doesn't have a driver's license and won't get one for private reasons, and in my opinion, these days you don't necessarily need one anymore, we had dismissed it because, as already mentioned, she is 10 years younger and we would like to have children....
Well, the only private reason that comes to mind is that there is no money available. Everything else, e.g. fears, is a problem that one should and must tackle in order to give life more quality.
Otherwise, there is a bit of naivety involved: children without a car... they have to go to the doctor more often, later to sports or here and there. Even if you have a different opinion: parents are still chauffeurs for their children. And with small children, an unpredictable emergency plays a role.
Regarding money and costs: I haven’t seen it as simply as the others so far; I have also read passivity, so I would be cautious about suggesting new fields of activity. You have to see for yourselves what is possible. However, one usually has to change oneself, including attitudes towards the big city and the opportunities and possibilities. These days no one comes to you anymore, you have to act yourself. In terms of service, there are many here who work double. Catering can also be set up independently. In a pinch, bakery during the day and gastronomy in the evening. Build a network and so on... you just have to want it. Unfortunately, the small world is too ordered for some to look outside of it.