And that is the problem. The US train network has been in decline since the 50s, to the point where it's now largely ineffective as a comprehensive transportation system. In Europe, there has been a resurgence in rail use, with freight now realising the cost benefits of shifting from road to rail.
None of which I denied; but I also know that the sheer scale of the US, and need for people and goods to reach places sparsely populated, means even if the rails were as good as they were at their best, people and goods would still need roads. Wells Fargo didn’t start with banks.
Wells Fargo started because trains, in their heyday, weren’t able to meet the need to get people/goods everywhere they needed to be; by hundreds of miles. That need still exists; and cars made it affordable for smaller than companies to do.
Most people in the US live near the coast or the Great Lakes; connect them up, as that is all you need.