I think hospitals should charge a $600 an hour fee for stepping inside their multimillion dollar buildings staffed with multimillion dollar salaried people, and charge market rate for products. That would make more sense to people. We somehow expect access to their facilities for free 24/7, yet get annoyed when they pass the billing through items we know the price of. They should charge an entrance fee like Disney land or a hotel room per hour and then be more reasonable on the Tylenol.
Not all doctors make enough money to not notice it, especially ones earlier in their career.
Regardless, assuming you have two working adults each paying the $15 toll once a day, conservatively, working 250 days a year, that's $7,500/year that has to come from somewhere. I can't imagine an income level (even if it doesn't affect your quality of life) where that's not an insanely frustrating amount to pay… to the MTA of all places. That money getting reinvested into useful infrastructure would be a dream come true!
You make it sound like they have no alternative. A literal majority of the city uses the trains regularly. The person you're describing can just live within walking distance of a station. The $20k they arent paying for the car and tolls should be just about enough for the rent on a 1 bedroom.
Presuming that it will be implemented like every other road toll, it will be auto-paid without noticing, too.