Today, not every car has visible passengers in them. In fact, very few cars can carry the passengers product, period! I am a little annoyed by this because I want to be able to interact with the coach and load and unload passenger with it instead of make believing they are. But to answer your question, there are coaches out there with visible passengers in them, it is just that not all of them have it. Also, there are no animations for the loading of really anything to be honest. What I mean by that is the REAL loading of a car. There is no forklift, wheel loader, crane or anything else for that matter that loads most of the freight rolling stock. Some interactive industries have animations that people have painstakingly made, like coal mines, rotary coal dumps, etc, but not a lot of them have animations. It is neat to see someone put the time and effort into making complex animated industries, but they are pretty hard to find.