In Australia you will get a fine and demerit points for speeding or for running through a red light. The points don't go away even if you pay the fine. If you go through a year without infractions, one point will be taken off. I think that's a fair system. More details here [https://www.nsw.gov.au/driving-boating-and-transport/demerit...] and here [https://www.primelawyers.com.au/traffic-law/speeding-offence...]

Coming to the part about issuing fines to the registered owner, you can nominate a different driver online here, when replying to the fine. The person nominated need to accept this as well before it is taken off the person to whom the vehicle is registered to.