This is the biggest issue, IMO. If the sliders for penalties actually worked, everyone could set it right where they like it. As it is now, the sliders either don't work or are minimally effective. I hear people saying that the developers can't get the penalties right, that there's either too many or too few. That's what the slider is supposed to be for.
All they need is a penalty system that functions, and a slider that can adjust the ratio/frequency.