Someone buys an expensive car. They say "I cant use the railway!" Are you going to tell them they're wrong?

Yes. Because they are.

We dont know if they live next to a railway line. They're also heavily invested in the car and unlikely to pay out for rail tickets.

None of which indicates they "can't use the railway". It may not be their preferred travel method, which is fine (in the metaphorical sense), but to say they "can't" use the railway is simply untrue.