No, it's not too hard for a trucker to figure it out, and they see it differently than you . . . .
The three hours that trucker saves, in your example, can be spent sleeping (off the clock), waiting to be unloaded (on the clock), or visiting "sweet Eileen in Abilene." Moreover, you cannot discount arriving at the destination faster (waiting to be unloaded, above). Being second in line makes a heck of a difference than being seventh. It gets you back on the road faster (faster to your next load, next stop, next Eileen, home, whatever). Time is money . . . that you do understand. What you do not understand is both sides of the equation.
Finally, if the thought of paying tolls is so onerous to a truck driver, why do you see trucks on tollroads? Personally, seeing a "convoy" of 30 or 40 trucks heading north (and rolling through the tollbooth without stopping) on the Tri-State Tollway (Illinois) on an early weekday morning warms my heart. You think they're on surface streets sitting at redlights.
Ok, if you're going to believe that financial incentives (or disincetives) do NOT affect behaviour, you need a lot more help than I can give you at this website.