It’s fair enough really. I feel immensely privileged to get 30% off train travel simply because of my age, while still holding down a job (sort of). It has improved my match day experience no end, enabling drinking, and now works out cheaper than driving. It was generous to set the discounts at 60 rather than even the old retirement age in the first place.
My 26-30 railcard which you can fudge a bit beyond 30 expired recently

