> the equivalent of a $600 fine for somebody making 60k / year

I don't know about you, but on that income I would certainly not brush off such a fine as a "cost of doing business". Would it cause me financial trouble, or would it force me to sacrifice other expenses? Absolutely not. But would I feel frustrated at having to pay it, feel stupid for my mistake, and do my best to avoid it in the future? Absolutely yes.