Yep, even people living side-by-side may have very different transportation needs; the goal is to encourage bike use where possible, as it benefits everyone. Bikes don’t have to replace every trip either. An e-bike can do 20mph (i.e. 3 mins per mile) with minimal effort, so the times for some of your trips are quite reasonable:
Grocery: 9 minutes
Fast food: 6 minutes
Gym: 18 minutes (this is a bit high, but it’s also exercise, so it kind of works out)
Cargo e-bikes can handle a 100lb load, so your grocery and gym bags are no problem.
All this is not to say that a bike would be a good fit for you, just that they can handle a lot more than you give them credit for.