And for those that don't have access to the internet or don't wish to pay for phone calls to someone who may be in another country, or who may not be able to deal with anything more complex than an A to B ticket?
Your 77 year old mother is no representative of society as a whole. There are many, many people for whom the only real option is to purchase tickets at a station. Often with journey requirements that require human interaction, and not human 'interaction' with someone hundreds, possibly thousands of miles away via video link.
Smartcards will not have 100% take up and are very unlikely to have a network wide
PAYG▸ feature. Touch in at Altnabraec? Touch out at Berney Arms? Load up with ^300 for that Anytime Return to Manchester?