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Take the metro, bus or train?

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The tool is for budgeting so I would say use what is readable for you. Using IBAN for payee sounds like an overkill. You can still manage your payees and merge them later differently.

And he said

I disagree with the idea of unions. I just don’t like anything which creates a lords-and-peasants kind of thing.

By not having unions, he exactly creates the lords-and-peasants kind of thing.

I read somewhere that they prioritised cargo trains over passenger trains anyway when it comes to delays and service reliability.

Besides, what else? There is only one railway network and you gotta use it anyway no matter how trashy it gets.

They don’t even need to compete for passengers.