Random Idea For The MTA: How about a yearly MetroCard? You could charge slightly less, yet get the cash upfront for an entire year. That cash would reduce the amount of cash the MTA would have to borrow and save on interest costs. Just like a monthly MetroCard, if it is paid for by credit card, and lost, the buyer could get a replacement for a small service charge. If just 10% of regular riders buy it, there would be substantial cost savings because the machines would take less wear and tear and require less maintenance. Plus, it would be a major convenience to riders.
Sign me up for the MetroCard "Gold", thanks.