Do you live in NYC but don't buy an unlimited card? I feel like that's an unusual use case.
How about retired people or people on a fixed income that are not work commuters?
How about someone that works in their neighborhood but still needs to use mass transit occasionally?
How about students that largely don't leave their campus tether but still need to use mass transit albeit less frequently than a commuting professional?
How about someone who bikes as their primary means of transit but still needs to use mass transit infrequently?
Its not really unusual at all is it?
So if you can't afford or don't need to purchase an unlimited subway that's your problem?