For these reasons, many countries have adopted a point-based system for driving licences. E.G: in France you have 12 points, driving over the speed limit is a fine, but also removes up to 6 points depending on the speed.

If you go down to 0 points, your licence is suspended.

If you stay without a fine for long enough, you get back points.

Some countries have fines that depend on how much you make. Some countries will destroy your car if you really behave badly.