I wrote a nice long reply and then lost it… oh well…
There are only 5 ticket types and not 200 – the complication comes from the "Rovers and Rangers" which are specific to certain areas (but good value)…
With regards the higher cost since privitisation – you're comparing apples and oranges… under BR there was massive under-investment in both infrastructure and rolling stock…
Safety is also now orders of magnitude better then it was then…
By way of geeky example – people used to be killed regularly by stumbling as they walked down a moving train and accidentally falling on the door handle, opening the door and ending up on the tracks – all because the doors didn't have locking mechanisms to stop it… Barmy…
Now I've mounted a defence I'll agree with you… Train tickets are disgustingly expensive…