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Dust off your banjos, because “Charlie on the MTA,’’ the old song bemoaning Boston-area transit fares, is timely once again. Facing a fearsome budget deficit of about $185 million for 2013, the cash-strapped MBTA is talking about raising fares and restricting routes. The T’s problems have no easy answer, but freeing the agency from the ballooning costs of The Ride -- the paratransit program for the disabled -- will be a big help. Disabled people need a reliable way to get around, but it’s not reasonable to push those costs on, say, bus riders in Somerville.