the primary benefit is for commuters, that is 2 rides per workday, 40 rides a month. so effectively 1.23€ per ride.

even as someone working from home, i go out at least 3-4 times a week, shopping, other errands, events, meet friends. two rides each time adds up to at least 30 rides a month.

3€ per ride only gets you 16 rides before you reach 49€. any semi regular user of public transport will reach that easily.