As an example, it costs like three dollars to board a bus here. The maximum cost per day is two of those, but come on. If I needed even just to take a bus to work and back each weekday, that's already over a third of my car payment, and I lose carrying capacity, climate control, social distancing etc.

Also I have to walk to/from bus stops, which I can't easily manage due to my disability. That's why I keep an electric scooter in my vehicle nowadays, but I highly doubt a bus would allow me to bring one of those on board. So at that point just use the electric scooter without bothering with the bus, except when I did that, I got hit by a pickup and needed to go to the hospital and counseling, etc.

I prefer to just pay in bulk. I care about more than simply raw cost, but the little microtransactions always seem to be a worse experience.