Not with that attitude. Suburbs can be built in a more transit orientated way without increasing density (depending on what you're defining as density), we just have to actually put the effort in to actually do that. But we've deliberately done the opposite so it's not surprising that it'd be hard to immediately overlay effective transit all at once.

Plus, affordability is kind of a whatever point. Driving a car is not very affordable either, not just in maintaining the roads and infrastructure, but in forcing every family to have at least one or more depreciating assets that they have to pay to maintain, insure, fuel, etc. just to do anything. And regardless, transit should be a service, there's nothing wrong with the government providing a service without being inherently profitable.