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Muni will carry 700,000 riders today, ranking it as the most heavily traveled transit system in the Bay Area. But as you read this, many buses and trains are at a standstill. They’re stopped as people fumble with dollar bills and coins to pay the fare, needlessly creating delays that our lurching transit system can’t afford. There are many ideas to speed up Muni, but one stands out as incredibly cheap and easy: offer a discount as an incentive for paying electronically rather than with cash.