I learned to drive in my late twenties, lost my nerve and as I didn’t get much encouragement I gave up driving pretty much immediately after I passed my test. In my early forties I decided to push through my phobia, had refresher lessons and bought a car. This in turn led to me being able to leave a horrible relationship and get my independence. I live somewhere rural and a car is a necessity.
If health problems prevented me driving I’d give up; I can’t envisage me living in a city situation where a car isn’t needed.