While I imagine it’s reasonable to assume “one vehicle per licensed driver” across much of America, that assumption seems much less reliable in NYC, where space is at an extreme premium and large families often share space. Can’t punish Mom for Dad’s speeding habit just because the car’s in her name. Plus, that doesn’t get Dad off the road!
And it doesn’t really seem cost-effective (or politically viable) to build out an elaborate appeal system to litigate which human was driving every single time. (Or to layer some kind of AI facial recognition onto the cameras. No. Bad hackers. :) )