I was recently stopped for speeding, but was let off with a warning when I told the officer that I was on my way home, which was only two miles away. I was so relieved as I could not afford a fine at the time, not to mention the likely increase in my insurance. But if I were rich? Yeah, I wouldn't worry about a fine or an increase in insurance. But having my license suspended or being forced to go to traffic school? That would be a deterrent for everyone.