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@gbj_tester
You certainly don't need to replace many bus journeys to make it pay for itself, but sat at your expensive computer connected to the interwebs at £20/month, you probably don't realise how hard it is for many paupers to round up an investment as small as £45, even if it does pay for itself in just a couple of months. Presumably you also need an available line of credit of £300 to provide the bond against loss/damage, something which an even larger group are unable to secure. It looks like a perfect investment opportunity for Credit Union/Micro-Finance types of operation.