big things seem to require a blank check.

Yep.

Totally disingenuous to say, "Hey! Look at the richest region in the US! They have electric trains. Why can't we?"

Well, make my state the fourth largest economy in the world and we'd have electric trains too.

Those rich regions are setting examples of building transit at way too high a cost for poorer regions to afford.

If we could use other parts of the world as an example - my region is richer than them and could afford it. But those places somehow are never used as the example