Yr observation is logical .once during my travel long ago I faced peculiar problem .Ihad gone from MAs to Pune for official work .for return travel I booked confirmed ticket from CSTm to mas in 11042 ( as from Pune only RAC ticket was avlb ).and later I changed boarding point to Pune .
Suddenly my work ,was over I day before so I went to Thane to see my relative and thought I will catch same train in which I had reserved.
At kalyan ,TTE came...
more... and said my reservation starts from Pune and he wanted to Fine me with penalty from Mumbai to Pune .I tried to explain him that I have paid full fare ,but he was adamant .Finally I told him ,ok sir ,do it ,my relative is in RB and I will takeup matter with him .once I called him on mobile ,TTE realised I was not bluffing and allowed me to travel without any problem.
But later on I came to know ,that if you change boarding point ,no refund is applicable and next Rly is authorised to use that berth for untravelled portion to another pax.