Supersaver tickets are also available without the Half Fare Card reduction. It’s a matter of choosing the right ticket.
The cheapest ticket available is the Supersaver ticket at half fare.
Having worked as a Flight Attendant for 10 years, and therefore travelled the world, I would not agree that Switzerland, what concerns the public transport system, is the country with the most complex ticketing system. As in every country, asking the locals is advisable, this is why we have the SBB Community platform, for example. We gladly assist you with any ticket concern.