If drivers are doing something that they shouldn't be, and there's a fairly straightforward way for them to avoid negative consequences, then this is a matter t

If drivers are doing something that they shouldn't be, and there's a fairly straightforward way for them to avoid negative consequences, then this is a matter that is out of scope of public policy. Removing the negative consequences from making unwise financial decisions 1) is a moral hazard, and 2) punishes those that are using their resources more wisely.