If you had a contract with someone and paid them in advance to do a job, only to find they never provided that service, you should get your money back, right? Otherwise, by keeping the money and not delivering on the bargain, that person would be committing fraud.
Well, that’s exactly what Metro-North does to weekly and monthly ticket holders when it sells those tickets but cancels train service. The railroad refuses to give those riders a refund. That’s wrong.