You're waiting for the bus, along with several other unfortunate people who do not drive to whatever their business is.
You're waiting for more than 5 minutes, with your subscription handy, just in case the driver might ask for it.
Understandably, not all have subscriptions. Some have to buy a ticket from the driver.
The decent thing would be if these passengers would have the cash readily available, so that the purchase can take place swiftly, and the bus continues its way.
However, there are some people for which this no-brainer seems to be too complicated to grasp. So they keep the bus in the station and delay all the other passengers, while they lose 2 minutes to start looking for money: first in the pockets, then in the bag, looking for the wallet, then in the wallet, looking for coins or small banknotes...
WTF, wake up people: it's not your private bus.