The frustrating thing about the maximum journey times, and the 2 x max fares charged in such circumstances, is that TfL state that they limit you to reconciling only 3 such maximum fares in any month.
I usually opt for paper day travelcard where possible for this reason.
On Oyster, one delay which takes you beyond the journey time TfL expects and you’ve used up 2 of your 3 lives.
This is really easy to do, particularly when using London Overground as part of the journey, or when an OSI joins two journeys together without you realising.
When an OSI joined my two journeys together, I had walked from Embankment to Waterloo, met a colleague, we then continued together to our meeting.
It was only when I consulted my app that I realised I was stll on my original journey and time was running out!
Had I been inspected en route on SWR I might have also risked a penalty fare.
So I alighted at Wimbledon, touched out and touched in, and problem averted. But only just - by about 5 mins.
But it was a faff and it’s only because I checked my app that I realised i had to do this.
I would like a day travelcard to be available as an Oyster product. You can travel and don’t need to think.
(The day cap still attracts penalties on top of the cap).