something i just thought up on the fly would be a semi insurance like system. so unlike previous ideas, insurance is a free thing that you always have, similar to now. however when you spawn a car, you could tick a box to have the car uninsured. this would either set a bolo (if added to v2) or put a warrant on an anpr system (if either added to v3).
as the balance to not insuring, you could maybe get double petrol or more vehicle health, so yeah.
it could be v3 or v2, my idea was mainly v3 as it will always be “not developing v2 again”
Hope you have a wonderful day too however I’m not sure this is one of your… most amazing ideas… don’t believe this will get much support either since you’re basically suggesting a system to fuck the person over with the addition of small perks you suggested which won’t matter when the person gets arrested in the end for not choosing to have free insurance.