Most Dutch people can afford cars, but many are on bikes (including cargo/e-bikes), about 27% of all "movements" [0]. This is because of the way our infrastructure is set up, the bike is very often optimal (special bike lanes, shorter routes, better/free parking at destination or public transport hubs). Most people do own a car though.
[0] https://www.cbs.nl/nl-nl/visualisaties/verkeer-en-vervoer/pe...