You can’t figure it out?
Cargo is moved bulk. Weight wise a single train car can guestimated hold three thousand people. Cargo will sit, with out air, water, waste or human service on sidings for days.
Cargo doesn’t care about departure or arrival terminals.
I don’t think you want to be priced out at the same weight volume as bulk cargo.
I would think 5 people in cushy air conditioned comfort would weigh less than 2,000 lbs of freight. Your estimate of the freight a train car can carry is a bit off — a standard freight container is 40,000 lbs or about the weight equivalent of 200 passengers not 3,000. That cargo can sit on a siding, requiring coupling and uncoupling of cars and coordinating all that doesn’t sound like a savings compared to a train that is all passengers, stays coupled together all the time and loads and unloads immediately upon arrival. A single train employee for each 100 passengers might add $3 to each fare. And cargo shippers actually do care about terminals, usually involving very expensive cranes, equipment operators, truck loading docks, and warehousing costs.
So how do you get from $3 to move 2,000 lbs freight to $525 to move 5 passengers the same distance ? Somebody is planning on lining their pockets big time.
Only a government could run a railroad that way. As a boondoggle of a jobs program instead of a profitable private enterprise.