[Gibbon1]

You already have the problem that small fines aren't much of a deterrent effect on wealthy people. Though one might be surprised how butthurt well to do people can be over trivial amounts of money.

A mitigating thing is monthly SS insurance benefits max out.

[maym86]

Speed until you max out your social security benefit is a crazy incentive.

[Gibbon1]

You can also max out the points on your license and your insurance companies patience.

[maym86]

That happens either way, the discussion is about having an effective fine to discourage people and crediting the person's social security account clearly doesn't do that.