I appreciate your perspective. I agree that street soccer isn't going to turn our country's development around.The transport is absolutely an issue particularly if to play on a high level team you are commuting an hour+ to get to where you need to go (whether it be LA traffic or a hub like Seattle where there's only 1 MLS team).
There are plenty of opportunities to play including AYSO and Latino league and high school. My kid has played Latino league and was worried it would be AYSO...it's not...some really great players there mixed in with AYSO Core level players. Problem is pro scouts and colleges do not look at this. They only look at the letter league clubs with access and a certain very limited number of high schools mostly in SoCal. The consolidation in Socal has made this worse as former independent clubs are struggled or getting absorbed by the big giants which raises the fees.
My son has played as well for Latino based clubs. I can tell you finance is certainly a dissuader for some of the kids, even with MLS Next subsidies. I've seen some including one really talented player drop when the fees get too high. Yes, there are scholarships particularly at the more suburban clubs. But it also caps the number of players those clubs can take given that someone needs to pay the fee...and some of it is cultural...there's a fear on some of those clubs if they get too ghetto it might turn off white/Asian paying customers (who are therefore reluctant also to play for largely Latino based teams).
Finally, I used to always assume the soccer IQ was higher in Latino based communities due to the kids playing pickup at school than white communities. I can tell you that assumption of mine was wrong. Soccer IQ, even among those who follow the sport, in Latino communities is relatively low. For reference, look at the social media where Club America supporters say the game was rigged because it was called against America and not Nashville: the Nashville keeper had a foot on the line which is within the rules, the America keeper did not....it was absolutely the right call. We spent time in Spain and the soccer IQ there even for their rec leagues is much higher than in our Latino (largely Mexican and central American) communities. They talk soccer with the expertise some American families talk gridiron football positions and strategies. My father, who played for the lower level Peruvian pro teams, once got into an argument with a youth ref in SoCal over whether a throw in should be considered offside (you can't be offside on a throw in dear father).
There have been some arguments floating around on social media that girls soccer will change once more Latina girls begin to enter it. That argument is wrong. And it hasn't really changed as much for the men despite that Latinos are heavily involved now. Soccer IQ is poor across the US, even in both communities. It's one of the reasons the Mexican men's team has struggled .Pick up games won't solve that. The only really remedy I see is a free academy system that identifies talent at an early age (and treats them as ruthlessly as Europe does).
The million dollar question (if we believe that soccer IQ is our biggest issue) is how do we improve our soccer IQ? I don't know that just having our "best" kids in a free academy system is going to work without wholesale changes in coaching and development philosophy. I don't know that parents and kids are going to accept a ruthless system, when culturally we've gotten kinda soft. Soccer is life in other countries, and are we going to sacrifice education and other sports to meet the demands of a ruthless system?
I believe you had mentioned that kids learn by making mistakes and that most coaches discourage and/or criticize players for making mistakes. That is so true. Many may think this is trivial, but there is a huge difference between a coach criticizing a player and saying "you should have done this" vs "what happened there? what other options might have been better?". You have so many options both on and off the ball in soccer, often there isn't a right answer, but some answers are better than others. Kids have to develop that innate decision making skill and coaches can guide them but they can't direct them to the best answers.
So if any organization was dumb enough to ask me for advice, I would say play futsal until U12 (which gives you a lot of touches and forces you to make quick decisions) , don't overcoach players and try to instill a passion in the sport. Maybe follow some of the principles of Tom Byer who helped revolutionize Japanese soccer. (Of course, US Soccer hired him to run a pilot program, but unceremoniously fired him before he could get the program off the ground).
I think were probably being too quick to write-off the women's program and men's is improving, but I still think we need to make major changes, even though it probably won't result in us being top program on a year-to-year basis because the cultural issue is tough to overcome.