$2.75 sounds really cheap to my British ears. How far can you go on that?
If you are doing city planning you want as many people on the Subway as you can get. It enables greater density at ground level and is much cheaper to maintain (if you maintain it) than overcongested road networks and the required parking.
It just seems the margins for error get ever thinner as your system scales. Other systems have figured this out, like Tokyo where they change over a major-use track in one night. Meanwhile, MTA shuts down the L for 15 months.
1) The businesses pay to get their human resources to work
2) The travellers pay or
3) Central taxation pays
So who should pay in New York?