Probably a question that reveals more of my ignorance than my knowledge.
Last night in German TV I was watching a travelogue film, San Francisco from above. During the course of the film I got to asking myself, Why did San Francisco become the preeminent Bay Area city ?. And before the competing rivalries start belling, nobody wrote the songs "I left my heart in Alameda", "Are you going to El Cerrito" or "San Lorenzo on my mind".
The great expansion of the Bay Area cities took place as a result of the 1849 gold rush in the north-east of California. The Bay was certainly the nearest available harbor to the gold rush, which explains the development at the time. But looking from the perspective of the goldfields, San Francisco was something like 80 miles further away by road than Oakland. Back in the days, this could be 4 to 6 days travel for a freight wagon.
The sea distance between the two sides of the Bay was insignificant for ships coming from the ocean. But transshipping goods and people to a ferry across the bay can only have added cost and time to all journeys.
I'm a great believer in, when people settle, they vote with their feet to find the optimum place. Why was SF the optimum place?