We agree on the last part. But my feeling is that if a crime isn't "bad" enough to require actual jail time then it probably shouldn't be a crime at all.

Speeding, DUI, and other risky behaviors should be punished if, and ONLY if, an actual incident occurs. Because then there is actually a victim, and not just some nebulous might-have-been.

Hurt someone while drinking and driving? That's no accident, that's an intentional attack. Kill someone? Again, not an accident, but premeditated murder.

Now, if say, your insurance agency decides that you are a risk due to your alcoholism, and either drops you, or increases your premiums that's not a problem. There's no criminal punishment happening, and if it's in the contract you signed, that's expected.

But, you should only criminally punish someone after they've hurt another person. Not when they engage in risky behaviors.