There is definitely a collateral damage part of the conversation (which I have mentioned in my earlier posts) that needs to be acknowledged for lower income households. I would be interested to see data points that comparing driving commutes with household income. I would be interested to see if folks driving into town from the burbs are lower income folks, or if those lower income folks are already living in town adjacent to transit (maybe because a car is too expensive to own/insure/maintain vs. paying a rent premium)
I disagree with the notion that MBTA would need to cut fares in conjunction with a congestion toll. I disagree with the notion that we need to cut MBTA fares at all. The biggest improvement that MBTA would have to make is
frequency! If the bus/train/regional rail is coming on time and at a regular interval, then a fare is completely justified. There are already low-income programs in place to help low income households with fares anyways, so the biggest improvement would need to the frequency and dependability of such transit.
The two biggest adjustments the MBTA fare system needs to make in my book is a distance-based transit fare and time gap for when I tap my card (30 minutes?) to when I would get charged again for a second tap (this would also require a lock out so folks don't tap multiple times to fare jump). An example of that second item would be I tap my card to get on the Red Line at Shawmut and I get to DTX for a one stop transfer to the Blue Line (via the Orange Line) and for some reason I leave DTX to walk over to the Blue Line (orange line delayed, service interrupted, etc.), I don't believe that justifies paying another fare.
While multiple transfers are annoying, I completely agree with
@HenryAlan that as long as the transfer modes are there, or at least will be there within a reasonable amount of time, then transfers are not that bad. I completely agree with your that the biggest issue with North American transit is the frequency/dependability. Improve that and the possibility of multi-transfer travel is not that bad. Every week I go Red>Orange>Blue to get to a job site. Sometimes I go Red>Silver>Walk, but for the most part it is a multi-transfer commute. Still WAY better than driving during peak times and then paying to park.