> Any bank card works, so does Apple/Android pay. Even the prepaid card can be purchased from a self-service machine in less than a minute and topped up via an app.

A little bit here, a little bit there. So easy to tap your card, only then you get a statement at the end of the month with 50 charges on it and have to reconcile each one with your actual usage to make sure none of the charges are fraudulent or in erroneous amounts.

Multiply by a couple million people and you're wasting a whole lot of people's time.

> The only broadly administered regional tax in the UK is the council tax. This only covers property owners.

Tax is tax. If it's property tax then it filters through to rents, which filters through to local consumer prices etc. There is a lot to be said about which ones are better from an economic and efficiency standpoint, but that really has nothing to do with transit -- if you have a bad tax system then switch to a better one regardless of how you fund public transit. But property tax for local services is far from the worst.

> You also vastly underestimate the public opposition to taxes versus fare increases.

Not wanting to do something that benefits people because people oppose it is just begging the question. If it benefits people then they shouldn't oppose it, so then the issue becomes convincing them, which is separate from the question of what the best policy is to begin with.

> People pay different rates based on how close to the centre they commute to. Typically professionals commute further because the white collar jobs are located in the centre, blue collar workers on the other hand tend look for work close to where they live and are more likely to travel outside of peak hours.

Blue collar workers avoid jobs with expensive commutes because they can't afford it -- but that's the problem.

> As for the price signal, it plays a hugely important part. It enables fares to change depending on demand in order to spread out congestion rather than having everyone commute at rush hour (infrastructure cannot support unlimited travellers and public transport is most certainly a scarce resource that requires rationing).

Use of public transport increases efficiency and become more attractive to everyone the more people use it, because then you get e.g. train service every 10 minutes rather than 30 because there are three times as many trains to carry three times as many people. If there isn't enough of it the answer is to increase capacity, not deter usage with pricing.

> The price signal also provides a strong incentive to cycle/walk by imposing a marginal cost on each journey. This incentive would be completely lost if you'd already been taxed, leading to over-consumption and environmental costs.

The environmental impact of an incremental passenger using mass transit is negligible and completely dwarfed by the efficiency improvement of people getting to their destination faster. The only real trade off is saving time vs. getting exercise, but that's a decision each individual can make for themselves. And you could easily be deterring someone from saving time that they could then use to engage in a more balanced exercise routine than 100% cycling and 0% any other exercise.

Moreover, many of the other alternatives to mass transit are things like driving or accepting a closer, lower paying job with lower overall economic efficiency, or having to waste hours a day to leave for work early and get home late to avoid congestion charges. Which are all costs we don't want to impose when there is a better alternative in building enough mass transit capacity to meet the peak demand without having to ration it.

> Your plan would also mean that residents would effectively subsidise the travel of all outsiders - which for cities like London (which get huge amounts of tourists and external commuters) would impose an unfair cost on the residents.

On the other hand, then it's cheaper to go into the city and patronize businesses there (so business make more money) and cheaper to live a little further outside the city and commute in (which lowers rents for people in the city), which could easily more than outweigh those costs.