Is it the Clipper Card system that has tens of thousands of business rules that prevent transit agendcies from rolling out new passes and pricing strategies Y

Is it the Clipper Card system that has tens of thousands of business rules that prevent transit agendcies from rolling out new passes and pricing strategies You're putting the cart before the horse there. It's the transit agencies themselves that advocate for the lack of prices. BART, for instance, held out on implementing TransLink/Clipper for ages because they wanted their own BART-only cash purse on the card. Clipper is still fairly new and I don't think the fare rules have changed much, if at all, since its inception.