This is what America used to have, albeit with a much smaller population.
Lots of hubs, lots of lines crossing each other. Lots of small towns served in between.
See, what the people in America knew was that trains are faster than automobiles, and they still are.
So you've effectively turned one-hour straight train journeys (with one or two transfers at most) into two hours stuck in traffic.
Because unlike cars, the more people use trains, the more frequently services run, so it gets faster the more people use it. Whereas the more people drive, the more traffic there is, and the slower it gets.