And it is not supposed to be. It is for Londonders not "people all over the
Home counties"

Don't be silly. It is for whoever uses London's transport. There is
no requirement to live in London.

No. The primary market is Londoners.

The secondary market is people from somewhere else who use it to travel
*within* London.

Colin Rosenstiel was talking about journeys from a place outside London to
a place in London and Oyster Card is not intended for that, which was my
point.