DISCLAIMER: DO NOT TRY / STRICTLY EDUCATIONAL
So he railroad near me sells tickets good for a week, for 10 trips over a certain time, and month [on top of one way, round trip, etc].
At the end of the time period, I noticed - whether it be a week, month, or whatnot, people would toss aside tickets that were expired so far as usability, but could still be turned in for a refund. Whenever one is refunded, I also learned, if credit or debit is paid, the account gets refunded - but a cheque gets sent to the redeemer if the payment was in cash.
What that means is, say somebody found a weekly worth X, paid in cash, or a monthly worth Y paid in cash, they could in theory turn it in, and get money for a ticket they never purchased - minus a refund fee [bullshit I know] - which can be $20+ for weekly tickets, $230 - $500+ for monthly tickets.
Now, I am not going to try this, tempting as it is - but it is interesting that they complain about money, but on top of not actually trimming the fat they don't find/close loopholes like this.