The newcomers guide is different from the yeshiva/seminary guide. (from what I hear there is politics between the creators)
On the mehadrin buses there is usually a hole puncher for the kartisya hanging on a chain by the back door. The problems start when a girl needs a transfer or wants to pay cash. She has to make a difficult decision and decide which is worse, whether to walk to the front or ask a guy to get get it for her. I personally feel that it is all in her mind and if she didn’t make herself uncomfortable she wouldn’t be.