Cost benefit analysis makes sense. "I am going to hurt you and make you suffer" rarely does. There are exceptions but it is generally a desperate ploy, not one focused on a goal. It is generally an admission that we don't know how to accomplish a civilized environment. We don't know how to design an effective society. We are too stupid, collectively, as Americans to achieve civil solutions. So we are sfimply going to hurt you.
I think that it would be fair to say that this sort of imposed cost is a punishment. It seems to meet definition 2b here (http://www.merriam-webster.com/dictionary/punishment). That cost/punishment/whatever isn't worth the reward, so I don't do it.
I mean, it isn't a "speeding tax" or "speeding fee" that you pay for the retroactive right to speed for a while.
As another example, the fine here for violating open container laws in a public park is something like $25, which I would gladly pay on some nice summer days for a personal permit to drink in the park. I don't drink in the park and accept the possibility of that fine though, despite the naive cost/benefit ratio working out. It isn't just about the $25, I also don't want to be fined. The "fine" part I don't like; the "$25" part is okay.
(Repeat offense will of course result in the loss of your license, a penalty that acts as a more severe punishment but also a form of detainment. When your license is taken the idea is that you cannot endanger the public until you prove yourself capable of driving safely (prove yourself rehabilitated))
Thanks for the discussion.
At the same time, the reason why I do not currently break the speed limit (to an excessive degree) when I feel that it is safe is that I am not keen on being slapped with a fine. Speeding fines are a punishment that seems effective at discouraging me from speeding.