I agree with Suxxor. He made a point: in “hard” mode it’s extremely difficult to get trains running with any financial benefit, but with busses and trams you can collect big bucks without any effort. The contrast is too extreme and frustrating since the game is called TRAIN fever, and trains are my passion, not busses or trams. I agree that the game should be difficult on hard mode, but then equally for busses, trams and cargo.
I have brought a few games from 1850 until 2050 in hard mode, but it were the busses and trams that kept me stay a life. Trains I had to disband after 1950 because of the exuberant running costs that mathematically could never be covered with ticket sales, combined with the total traffic gridlock bug (which now seems fixed).
This problem of the exagerated running costs of trains has been mentioned from the very launch of the game, but the developers did never balance the game, as if they only play in sandbox mode.