Nope, not worth it. I’ve stopped trying to convince others to be considerate in public. They’ll either ignore you or blow up and get aggressive. I’d rather just try to ignore them myself and move on with my life.
And at the end of the day, I’m also not some authority figure like their mom or dad; I’m nobody to them. As much as I may not always like it, strangers don’t owe me anything, including their consideration.
I don’t disagree with that in theory, but like you pointed out… Who’s going to enforce it in practice? Shouldn’t have to be me, or anyone else who doesn’t work for public transit.
Obviously there’s a point where I’d say something if a person was being truly inappropriate, but I’m not risking my neck over music on a bus.
I wouldn’t be the best person to guide someone through it, unfortunately. But you can find a list of add-ons here, and there are almost certainly some quality guides by smarter folks than I to get you started.
Just in case you were being serious about the legality concern though, this may not be something you want to do.
Not a hack necessarily, but worth repeating; if you can’t afford to pay it off right away, don’t put purchases on your credit card. Don’t make the same mistakes I have in the past.
That said, if you can afford to pay it off, credit is probably a better choice than debit for most purchases. Build up your credit score and earn those reward points.