It is very much a case of those who can afford it pay while those that can't hit the back streets.
By building systems which allow those people to pay more, then reinvesting that revenue in transportation improvements, everyone can benefit.
Of course we need to be careful not to create a premium-only product, but some balance should be achievable.
The other important thing about congestion pricing (as described in the article) is that it completely destroys privacy.
And, AFAIK, no transponder offers the ability to load cash onto it. (That is, transponder manufacturers/operators require an incursion of one's privacy, despite there being no technical or legal requirement for it. I'm in America, YMMV.)
Further, they have been shown to be used in spying (essentially) by cities[1] and even in political attacks[2].
Transponders are also a right PITA for anyone traveling. Boston, for example, has some really lightly marked toll roads now that are all transponder/camera-only; if you mistakenly drive a rental through those without realizing it (which is really easy), the rental car company charges ~$25 for the "service".
[1]: https://www.aclu.org/blog/privacy-technology/location-tracki...
[2]: https://www.aclu.org/blog/free-future/christie-use-tollbooth...
You are required to register the EZPass to get a reload card in order to do this (which just requires you giving them your name and address, which they already have by taking a photo of your license plate), but if you are really averse to registration, you can just keep buying new EZPasses at retail, I guess.
It need not: the toll module could contain "cash" (a cash-like analogue, like credit tokens you refill at 7-11) instead of an account number. Somehow such systems never get deployed though :-(.
People have become quite tolerant of it, too: they routinely drive around with vehicles bearing unique serial numbers and permit their driving licenses to have tons of unnecessary info (all that's really needed is a photo or fingerprint, what class of license you have, and possibly an expiration date).
But it's easy to design systems that don't leak secrets. I wonder if GDPR could be used as a cudgel for system design?