It won't happen, I agree on that, but they can and should be simplified, perhaps down to two or three different sets of conditions.
I think you could get most of the way with it.
So what would be the standard Railcard? Perhaps this:
- First Class travel allowed.
- For travel completely within London and the South East, no travel before 10am.
- For other travel, minimum fare of £X per adult ticket (per the present 18-25 Card).
- General adult fare of 66% of any adult fare
- Where applicable, general child fare 40% of any child fare
Then you just give the individual Cards their extra bits on a very simple basis, at different price levels:
- Friends and family - can be used, per card, for any group between 1 adult, 1 child and 4 adults, 4 children, one of the adults must be one of the named holders.
- NSE - as Friends and Family but 1 lone adult is allowed as a "group" and geographical restrictions apply
- Gold Card - don't understand why this is different and not just a free NSE
- Senior - no additional stipulations other than age restriction on issue
- 18-25 - no additional stipulations other than age restriction on issue
- DSB - can be used for one or two people one of whom is named holder, restricted issue
- Two Together - can be used for two named people
- National Railcard - unrestricted issue, no additional stipulations
...and whatever else they might come up with.
Yes, you'd lose the NSE minimum fare, but that's messy anyway. Just charge more for the Card. Or even bin it if we got a proper National Railcard.
The key thing this would achieve is to allow one "Railcard" button on TVMs, no need for separate ones because the discounts and times of validity are all the same.