I agree with this.  Unfortunately, I also see that those unwilling to hang up and drive, are the same ones who would likely go ahead and drive without a license or insurance.  After spending 10 days in the hospital, courtesy of a distracted driver, I was doubly insulted when they had inadequate insurance to cover their stupidity.  Monetary penalties for distracted driving, driving without a license, driving without insurance, and DWI need to be raised significantly, or they will do no good.  People only seem to finally understand once they are hit in the pocketbook sufficiently.