First of all while punctuality is not good, the majority of delays is at most 60 minutes. On many lines there is a train every hour, more in denser areas. So fo

First of all while punctuality is not good, the majority of delays is at most 60 minutes. On many lines there is a train every hour, more in denser areas. So for the majority of the delays, zero refund. And then even if entitled for a refund many passengers never apply for it. Not sure whether there are any reliable calculations available, my feeling is a significant part. While annoyed when it happens many are not excited by the paperwork (or type and clickwork) later. And if you do your paperwork sloppily the refund will be refused. Also correct but complicated cases will often be refused in the first round, so you have go through a 2nd or even 3rd round of detailing your connection and ticket.