The efficiency of government.
“Others, though, argued SEPTA’s fare structure causes the problem. When tokens were still available, a person with $4 in cash could buy two of the fare coins, the cost of a trip there and back again. Without tokens, the person with $4 doesn’t have enough to buy a Key card, which initially costs $5.95, and can no longer buy two rides with that cash.”
Just eliminate cards, and tokens, and charging at all for a ride. That will solve the whole problem (according to all the DEM presidential candidates).