Yes, it takes energy to "make" or refine energy. There is no disputing that. And you present a valid point. If the amount of pollution and energy to create and distribute gasoline to go 100 miles in a car (on average) is more damaging, wasteful and expensive than hydrogen-fuel cell cars, what's the point?
Here is an article on the overall efficiency of the process:
http://www-cms.llnl.gov/s-t/carbon_con.htmlHarpers Magazine online (www.harpers.org) states:
Maximum portion of the chemical energy in gasoline that is used by an internal combustion engine: 1/4
There are also other ways to refine the fuel needed in the eletrochemical process. It's also performed by solar and wind energy. And instead of using carbon-based crude oil, it utilizes water molecules to garner the hydrogen (which later is recombined with oxygen to create the exhaust of nothing other than water!)
Solar and wind farms are very limited forms of energy production. Yet new projects are under construction. With the advent of the fuel cells in many other industrial applications, it's spurring the momentum of buildup in the "refining-side".