Need For Speed Carbon

I've been playing Need For Speed Carbon lately. It has proved to be a fairly good way to relieve stress after a long day at the office. That said, I have become rather disconcerted with a few elements of the game that do not entirely appear realistic. Among my concerns are the following:

(1) How is it that I can slam into an $150,000 car at 200km/h and only cause $500 damage? The world of Need For Speed Carbon is either an insurers' dream or an insurers' nightmare depending on the way you look at it.

(2) How is it that I can slam into anything at 200km/h and live to tell the story?

(3) How is it that I can cause $100,000 worth of damage to the State and receive a $200 fine. Could it be that they have poor public prosecutors in the world of Need For Speed Carbon?

(4) Relating to the above, how is it that I never seem to get a criminal record, a custodial sentence or even the disqualification of my licence? Mind you, I suspect that waiting nine or so months to play the game again may not be optimal from a gameplay point of view.

(5) Why the need for police brutality in the world of Need For Speed Carbon, even when I give myself up quietly?

So many questions for such unimportant matters ...