Screw it. You decide to hop the train without paying the fare. Security guards are rarely on duty this time of night anyways.
Everything goes smooth until your stop comes up. Guards are outside checking tickets and you are sure to get handed on if you step off the train. Your only other option is to stay on for the last stop, which ends up 10 blocks from downtown in the ghetto.
Get off the train and risk the ticket
Stay on the train and just walk the ten blocks back