A Pew study recently found SEPTA’s fare system and the distribution of jobs in the region made the city’s public transit agency one of the most expensive among large American cities for poor riders. Advocates for people living in poverty have long argued that SEPTA’s new fare system disadvantages the city’s poor, who are less likely to have bank accounts or access to technology, two tools that make it easier to unlock the benefits of the Key card. SEPTA has responded by refitting the kiosks that dispense Key cards to accept cash, a process expected to be finished in December, and, in July, reducing the minimum load of a Key card from $5 to $1.