I think there are a lot of us out there that are/were lead foots... When I say lead foot, i'm talking 5 MAYBE 10 over... Not 120mph in a 45. I have had 10 tickets or so since I started driving 9-10 years ago... A couple I got taken off with traffic school, a couple I fought (won on at least one occassion), I think one was a broken taillight, another was driving the wrong way on a divided highway (drove into the exit of a Wendy's drive through, VetteMuscle will tell you all about it).
Of those, I've been late on one due to a mix up with the court that got taken care of.
I think this goes back to the other thread about the debt.... It's not necessarily HOW MUCH debt you have, but what kind of debt it is, and if you have met your obligations or not.
There are many naval officers that are several hundred thousand dollars in debt, but haven't made one late payment in their lives, and have a couple thousand on a credit card, 100k or so in student loans, and 150k or so on a mortgage etc etc....
Compare this with a guy that has has 20k in credit card debt that is a year delinquent, he's probably never going to get at shot.
The point is, that people get speeding tickets from time to time (some people don't). For the most part, I think they are a relatively minor infraction, pending you aren't being excessively wreckless and don't get them 6 times a year. The problem you have my friend, is you were excessively late in paying the piper, and from what it sounds like, got 4-5/year for 2-3 years running.
I think it would be a bit of a stretch to say that people that drive 5-10 over the posted limit have a blatant disprespect for the law. I think the key is to when you screw up, own up to it, correct your actions (don't get another speeding ticket in as long of a time possible), pay the fine and move on.
Who knows... This is just one guys take on it all anyhow...