Not everyone has a credit/Debit card let alone an Presto along with no bank account for various reasons. Can't buy a transit fare in cash anywhere other than on the bus in the 905. You have riders living from day to day pay they earn that day and they have a hard time saving up for a pass/ticket.An extreme example for why I don't favour most 'concessions' in fare systems.
I do get the arguments around famlies with young kids and expensive travel; and I might humour that; but overall, the problem with concession fares is that they drive up administrative costs, they reduce effective fare compliance/enforcement and they drive up the fare for everyone not covered by a concession, creating more people who need the concession.
One fare for everyone 13+ allows for a much lower adult fare and fare-capping.
Why we are still allowing 'cash' fares in terms of paper money and coins is beyond me; but I would then add, I see no reason we should penalize anyone using open payment with a higher fare, as the take from Interac and VISA are both lower than Presto's.
Not everyone over 60 has a good income to the point their fix income keeps shrinking yearly with the cost of living going up, let alone transit fares.
You have visitors who have no need for a Presto card or a pass. There is no system Presto fare machines that offers a day pass or a week pass in the 905 other than for GO.
Look at Europe where you have the option of buying 1 or 2 way trip trip, X trips, 1-2-3-5-7 day pass, 1 week or a month, let alone a year. Some systems charge 6-18, 18-60, 60 up while other charge 1-18, 18-60, 60 up. Then there are a few who offer 60 up at a real low price. Some offer free transit if you are 60 up living in X city or country.
As much as I support the idea of a smart card, Presto been a failure from day one and costing some systems more in fees than it cost them to collect the fare in the first place. TTC was real behind in the fare collection and moving to the smart card. Look how long it took then to use credit/debit card, let alone your banking card.
The backend of the Presto has been a problem from day one and it has been stated by people who write blogs. I have know the issues from day one and one reasons ML charges high fees to make any changes to the system for any transit system.
What system today offer you the ability use your bank card on a transit vehicle and how has it been in place?? US being doing it for years as well other Canadian transit system as well.