I know a kid who totalled 3 cars before the end of high school and had one or two fender benders. Whether he was physically unable (ADHD) or actually knew what he was able to do but didn't, this is the type of person that shouldn't be on the road.
It can be as punishing as you say, but rarely is. People buy cheap used cars so it's not expensive as you might think. Basic liability insurance isn't crazy either. You'll rarely go to court unless you are uninsured. And insurance will typically cover medical expenses, and comprehensive will even help you buy a new car.
It would be pretty simple to revoke people's license if they cause more than one accident in 5 years.
I'd recommend driving classes/suspension before revocation on a second offense over 60 months, but at a certain point, I'd agree some people shouldn't be on the road.
A teenager who gets into repeated accidents is probably a good example of someone who'll probably turn out fine once they grow up a little, but something like ADHD could easily continue to be a problem if they don't get it addressed. I'm not sure if there are places where a person can be required to be medicated to drive (like some people are required to have glasses/contacts or supplemental oxygen anytime they are driving) but it wouldn't be a bad idea.
It can be as punishing as you say, but rarely is. People buy cheap used cars so it's not expensive as you might think. Basic liability insurance isn't crazy either. You'll rarely go to court unless you are uninsured. And insurance will typically cover medical expenses, and comprehensive will even help you buy a new car.
It would be pretty simple to revoke people's license if they cause more than one accident in 5 years.