This is what the points system is for.

Any individual infraction might only be a small fine, but it adds points to your license. Collect enough points and you risk license suspension.

I’ve known a couple people who got close to having enough points for license suspension. They drove perfectly for years.

That sounds reasonable to me. Everybody makes mistakes, but nobody should be consistently making grievous mistakes capable of causing serious injury or death to other motorists on a regular basis.

I'm less concerned with a little speeding than I am with blowing through lights and stop signs.

I think in most areas with cameras where fines are automatically assesed to the vehicle owner (who is not necessarily the driver), there are no points. That way it's just a civil penalty and the burden of proof is low. "We have a photo" is enough.

Yes.

If they run a red light today there is some small chance they will injure/kill someone.

If they run a red light with a camera, there is a 100% chance they will receive a ticket.

The key factor is not the magnitude of the penalty (i.e. whether someone dies or they receive a fine) but the chance that they will encounter the penalty.

You've got me: I believe that people respond to financial incentives. I don't think this is a radical position.