The highway speed limit in a country like Romania is 130 kph, but you only risk getting fined if you exceed 140. As such, I usually do 130-135 kph on the highway in my small 1.4 l hatchback and I don’t feel unsafe at all. I feel much more unsafe on 2-lane national roads with lots of curbs and where you risk getting a horse-drawn carriage in front of you out of nowhere, even though on those roads people usually drive much slower (the limit is 90, I stick to 80-90 most of the times unless I have clear visibility for like one km, in which case I push it to 100). Point is that it’s not the speed that kills you, it’s NOT adapting the speed to the road’s conditions that does it. As such, imposing draconian speed limits on highways (like in Finland) is very counter-productive and frustrating, because those highways are actually built to “support” higher speeds (just look at Germany).

I guess my main point was that in some cases, like in my example, arguably harmless offence can result to relatively high punishment, because personal income doesn't often translate directly to disposable money. Of course irrational speed limits are also to blame.

In exreme cases this can result to absurdly high fines, e.g. as a real-world example from Finland, overspeeding at 82 km/h in 60 km/h area have resulted to 34,000 eur fine.