nfitz
Superstar
That's more frequently than I used my Presto Card in the winter, before it started to be accepted on TTC.It's not about cash locked up...it's about having control over when my credit card is charged. I use transit maybe once a month, so making the 2 minute trip to the subway station to reload usually isn't a big deal for me.
I'm paranoid about not wanting to find myself at a GO station, and find out there's no money on my card, have to reload, and miss my train ... and wait for 30 minutes (60 minutes back when I got my card).
Perhaps less of an issue at the subway station.
On the other hand, I kept a spare Presto card around for a long tine, just in case there was an issue. (only used it once - but great when I have guests from out-of-town!) - so perhaps I'm not normal.