You can buy one each month, though. Even of you just use it for metropolitan transit, it's super cheap. My monthly pass (reduced because it only valid after 9 am so commuters have to pay more) costs 75 EUR. A single ticket ist 2.80. This is a good deal in almost any scenario where you take and applicable train.
Sure I can do that as a self employed Programmer, but typically employees don't get to pick their work hours. Most commuters have to be in the office by 9 a.m.
My point was only that the 75 EUR is already a price reduced monthly ticket.
It's 3 months