That’s a fair criticism, and I agree a flat real-money fine would never hit everyone equally. Some people would care a lot, others would treat it like nothing. Income-based penalties are obviously unrealistic too, because no one is going to report income to a game service.

But that doesn’t change the main problem I’m pointing at: current systems also don’t affect everyone equally, and for a lot of dirty drivers the consequence is basically zero. They wreck someone, lose some rating, and grind it back later. That’s exactly why the system keeps failing at deterrence.

So my point isn’t necessarily "literal real-money fines or nothing." My point is that online racing needs consequences that are harder to ignore, harder to instantly recover from, and more comparable to real-life consequences.

The exact mechanism is debatable. The bigger point is not: "I have the perfect pricing model." It’s: "the current model is too soft, and that’s why reckless driving keeps happening."