Apologies Dave there was no offence meant in my statement but . . . . .
There's not much chance of offending me!
But I will respond, and not just to you . . . .
My point was, that the failure to engage with purely electronic ticketing and other electronic transactions arises from a number of causal factors, some passive (such as failure to learn how, lack of cognitive ability to learn, lack of equipment, ineligibility for any bank account, etc.) and some active (sociological distrust, practical choice related to the specific transaction, avoidance of known failure-rates, limitations of available equipment or networks, etc.) and of course combinations of the two.
At one end of the spectrum, there's always going to be an element of 'anti-establishment' citizens who will avoid transactions that are electronically networked, and at the other, there is the increasing proportion of an ageing population that experience the cognitive impairments associated with dementia, affecting their abilities and their choices.
The difficulty that this quite complex mix of factors creates for those choosing a technology for transporting people of all abilities in future, is in how to design and to present the technology to those who don't engage, both passively and actively. And sadly, I don't have any useful suggestions.
But by way of illustrations (which don't help us to design an accessible and acceptable ticketing system for the future), I'll just make these three passing observations from personal experience :-
Very many elderly people seem smart enough to equip themselves with 'free' bus passes for the English and Scottish 'concessionary travel schemes'.
The person who has taught me more about what can and cannot be done with a London "Freedom Pass" than any 'enthusiast' has done, is a pensioner, older than me, and is in employment (in an important position in the judiciary).
A young man I know, with an intense involvement in consumer PCs, and with 'under the radar' use of the internet, and who is very likely to benefit from simple smart card travel, refuses to go anywhere near a payment card or smart card.
Is the only way forward to design a smart card system which will meet the needs of majority (regardless of how we define the groups who become the majority and those who are excluded) and disregard those excluded others ?
It's a very difficult question to answer.
The mortality of the elderly doesn't seem to simplify the challenge.