That's fine for you personally, and it may sound all good from a logical, theoretical, or academic perspective, however I personally know of people who have lost their license due to multiple fines and "demerit points" (NZ) resulting in that consequence.
The fines, and loss of license hurt them personally, professionally, and financially, but didn't change their behavior outside of the very short term.
In NZ we have people that are in and out of prison due to burglaries, robberies, etc... but the penalties don't change their longer term behavior.
There's a deeper problem, and penalties are important, but not the entire fix.
I have a similar viewpoint; over a decade ago, I had a nuisance tendon issue and went to a specialist who recommended surgery.
The surgery had a risk of serious, life-long consequence if it went wrong. He said that if I can live with the tendon issue, we can delay surgery indefinitely... so we delayed.
A month later, I stopped doing a certain workout at the gym, which resolved the issue within days. No need for surgery at all.
I do think that some specialists can be so focused on their speciality (i.e. surgery) that they don't think outside of that paradigm (try a different workout at the gym), and it's up to the patient to effectively shop around to get the best advice.
I still remember playing Anarchy Online in the mid 2000s and teaming up for a few hours with a guy who'd broken his back a month or so prior. He talked about how he got so much happiness from the social interaction and a sense of helping people (he was much higher level than me) within the game when he was otherwise bedridden.
The fines, and loss of license hurt them personally, professionally, and financially, but didn't change their behavior outside of the very short term.
In NZ we have people that are in and out of prison due to burglaries, robberies, etc... but the penalties don't change their longer term behavior.
There's a deeper problem, and penalties are important, but not the entire fix.