The first report I found on Google is slightly old but puts the mean value of a commuter's time at £11.21 an hour https://assets.publishing.service.gov.uk/media/5a80bdeced915d74e62302f2/vtts-phase-2-report-non-technical-summary-issue-august-2015.pdf So waiting 3 minutes to pay "costs" 56p. What do we reckon is the total daily cost to the UK public of faffing with rail ticket systems?

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