But for the most part we are not held responsible for our actions on the road, the insurance company are. The obvious penalty for bad driving (banning) is rare

But for the most part we are not held responsible for our actions on the road, the insurance company are. The obvious penalty for bad driving (banning) is rarely used and requires lots of evidence despite the numerous benefits of eliminating threats from the roads. For the most part collissions are treated more like a social problem than a safety or criminal one. People are "good" or "bad" rather than safe or unsafe. Until unsafe driving becomes socially unacceptable these ideas are just pie in the sky.