This is ill considered an entity exists to enrich itself and its management fines allowed by law and enacted by policy are trivially turned by majority vote to self enrichment.

Your idea fine in theory will be enacted by no substantial proportion of such institutions while banning such locally at the municipality, county, or state might in theory be at least possible to implement.

We can easily force these orgs to stop collecting fines we cannot stop government using fines to control behavior. Your ideas therefore are much more applicable to government than to this situation even if the same challenges apply.