Earlier quoted context omitted.
That happens either way, the discussion is about having an effective fine to discourage people and crediting the person's social security account clearly doesn't do that.
I don't think you actually understand how the social security program works.
Just saying someone doesn't understand something because they disagree with your idea is not a constructive argument.
You pay in monthly based on income up to a maximum amount. If you say a speeding fine just counts towards my monthly contribution and is deducted from what I have to pay anyway why not speed?