>>1007690Digging a subway tunnel takes decades and might cut your building from any traffic. Monorail is quickly build. Building a subway with subsidies is also a spoiled gift. Everything will seem fine for maybe 3 decades. But then you your tunnels will need a mayor overhaul. It's expensive and your transport company will go bankrupt or your city will have to pay billions. Service be affected for years as well. Overground structures are more easy to access and can be continuously maintained.