> If I'm driving I pay based on my income, but if my driver is driving he pays based on his? That's actually a very good point, as the "backseat speeder" would

> If I'm driving I pay based on my income, but if my driver is driving he pays based on his? That's actually a very good point, as the "backseat speeder" would likely secretly reimburse the driver if the speeding was done to order. It would make intentional speeding surprisingly cheap for a small group. (Disagree with everything else you wrote though)