There is a difference though, isn’t there. There is always a choice of gas suppliers. There is also a heavily advertised range of services to aid those who wish to explore switching. Do you do a tour of half a dozen stores when you go shopping to save a couple of quid? Or do you buy everything in one place because it’s easier? Ever noticed how things cost more in little convenience store-sized branches of Tesco than in the supermarkets? Etc. People also value ease and convenience, and are happy not to faff for the sake of saving the price of a cup of coffee or two.
The railway is not your gas supplier, buying tickets is a complex web of nonsense that is incomprehensible to many. On some specific journeys on specific routes, there’ll be a choice. On others, there won’t be. Some of the busiest areas of the network are effectively one TOC only, why would people who regularly use those routes expect there to suddenly be a choice when they travel elsewhere? Some Advance tickets are very obviously cheap, others are a few quid away from walk-up fares. Many booking engines now will automatically split tickets, sometimes including one portion as a train-specific Advance and one portion with a walk-up fare. Some TOCs allow Groupsave, whilst others don’t. For the same journey, on the same route. And so on. Anybody who thinks that any of that is in the slightest bit user friendly needs to give their head a wobble, frankly.
It’s reasonable to assume that all of us posting here have some level of interest in some aspects of the railway, and will be among the better informed sections of the market. It’s easy to forget that doesn’t apply to lots of other people. Average Joe just wants simplicity.