I mean, you pretty much just described most US cities.

Also, I might be misunderstanding this part:

>Also… the fares!! Buses, LR, PATH, MTA! Everything has a different payment method.

I use the same app for my bus and light rail tickets. The MTA is operated in a different state, so. But I also use a metro card on the PATH.

Anyway, not every city is for everyone. You don't have to live here and I hope you find a place that fits your needs.