Or you could ask your friends who borrow your car not to be dipshits who run red lights. If you get a ticket for your teen running a red light, you can have your teen pay for it. Might be a good learning lesson.

But the reason for the ruling is that if your teen runs a red, YOU get points on your license.

Not if the teen takes responsibility. So don't loan out your car to people who aren't willing to take responsibility for their actions. Surely that's not a massive burden?

Is that just?

Yes, vehicle ownership is a level of responsibility, I believe it is just to be accountable for what happens with it.

This is unjust BS and discriminates against poor families.

Using this line of thinking, it will be a short time until you’re responsible for what a criminal does with your stolen vehicle; after all, you failed to secure it.

I hope you get exactly what you’re asking for, and all the implications thereof (but in a state far from me). I feel certain you won’t enjoy it.