This is kinda three different problems, or three effects from one problem:
- Being stuck in traffic has a negative impact on health, quality of life in general
- Being stuck in traffic has a monetary cost for deliveries and others who have travel as a significant part of their work, e.g. how easy it is for plumbers to get around to customers and warehouses and the like
- Being stuck in traffic can have terrible consequences for emergency services
The solutions, of course, are a mix of negative incentives to drive like congestion and parking pricing, and positive incentives to not drive, like investing in transit, cycling, mixed use and at least a certain level of urban density to be able to support transit, services and not have biking and walking be unfeasible or undesirable because of long distances.