This is the key point, in my opinion. If someone is willing to risk their life to text while driving, someone is willing to risk financial ruin while driving. I

This is the key point, in my opinion. If someone is willing to risk their life to text while driving, someone is willing to risk financial ruin while driving. It's even less of an incentive and would change nothing. In order to have a successful campaign against texting while driving, it must be made socially and culturally taboo, the way driving drunk is in most places.