However, the reality is I am benefiting from the 2-hour transfer rule at times. It's a fair trade.
It's a huge plus, especially when walking between two routes that don't intersect, but some drivers appear to not be aware of the rule. For instance, took Donlands bus down to most southerly Leslie St bus stop, walked down to and along the waterfront with dog for almost an hour, Cherry St bus (or its latest incarnation) waiting at foot of Cherry St, no Presto machine on-board, so presented transfer.
Driver asks: "What's this?". I explained, showed Presto Card, (even though she had no way of reading it) and told her about the 'two hour window'. She'd never heard of it! I think she knew she was in for a dispute if she questioned me, and TTC policy is to not argue now, if I'm correct. "Oh...OK". Dog and I were the only passengers on the bus for major blocks. Took it to end of route at Old Fort York, walked up to Dundas and Ossington from there, two hour window expired, so tapped on streetcar for last leg to near Dundas West (dog was no longer wet, too hot to walk him more distance). The second fare was fair!
I took the route in full knowledge that it would be permissible by the rules, and it's a good thing for both parties. People will take the TTC knowing that they aren't going to be penalized by paying multiple fares for reasonable stop-overs. And TTC gets fares they normally wouldn't, at a time of day with low ridership.
In effect, you're buying time, not convolutions, to get where you're headed. We all benefit. And the dog loved it, he swam most of the distance along Cherry Beach, and played in Trinity Bellwoods Park in the off-leash area, and got soaked again. I called that "civilized".