That's why the only way to lessen the blow is to offer a system that is monitored to prevent repeated fraud, and also doesn't leave the railway out of pocket (the admin fee).
If it allows someone to potentially rip off a TOC once per year, I guess you can't stop it - any more than you can stop every single Gold Card owner using their ability to get at least one or two refunds for a ticket purchased when the Gold Card was left at home.
In other words, you go into town with a mate one day - buy them a ticket, then claim later you used it because you forgot your card. In theory, as you're allowed some replacements every year, every single season ticket holder could pull that scam without much chance of being caught.
I guess the industry figures most people won't take the risk, or simply not bother with the hassle of getting a refund.. but if there's a limit AND admin fee, it's even less likely that anyone but the person who genuinely did forget their card for whatever reason (let's suggest they lost it as against couldn't be bothered to carry it).
If it allows someone to potentially rip off a TOC once per year, I guess you can't stop it - any more than you can stop every single Gold Card owner using their ability to get at least one or two refunds for a ticket purchased when the Gold Card was left at home.
In other words, you go into town with a mate one day - buy them a ticket, then claim later you used it because you forgot your card. In theory, as you're allowed some replacements every year, every single season ticket holder could pull that scam without much chance of being caught.
I guess the industry figures most people won't take the risk, or simply not bother with the hassle of getting a refund.. but if there's a limit AND admin fee, it's even less likely that anyone but the person who genuinely did forget their card for whatever reason (let's suggest they lost it as against couldn't be bothered to carry it).