Use trains to transport passangers from town to town, and connect them to buses to shuffle people to their final destination. Have a network that connects the w

Use trains to transport passangers from town to town, and connect them to buses to shuffle people to their final destination. Have a network that connects the whole map (easier said than done, requires lots of capital) and I guarantee all your vehicles will be profitable. This is why I like Simutrans: the passengers want to go from A to B.