Two example of poor planning.
1. The UP should never have been a boutique railway with its own trains and different station heights and separate admin. It should have been part of GO and served airport and commuters. In fact the line has become a secret Smart Track line for the west end which keeps the UP alive since the ridership numbers to the airport were so grossly inflated.

2. New York started introducing cards in 1993 and MX could have have just bought London's superior Oyster system. So now we are way over budget, we have different tap kiosks on the same line which is needless confusion for users, still no fare integration, and fees per ride that are deducted from every TTC fare. Its almost like they were unaware that  sucessful systems exist elsewhere.