> You can pay insurance e.g. once a year. Why would car insurance be a once a year cost but car service would not? I don't see any reason why a company couldn'

> You can pay insurance e.g. once a year. Why would car insurance be a once a year cost but car service would not? I don't see any reason why a company couldn't charge once per year. That said, many consumers are unable to pay for a year of anything upfront and choose to pay monthly. Like car insurance. > And maintenance/repair really depends. Which is a huge problem! Again, if you don't have a ton of money a surprise repair bill can absolutely wreck your finances. Also, pretty much every public transit system I know scales up service during peak times and winds it down at other times of day. This isn't a new concept.