system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: The point system in driver's licenses

So I live in MS where we don't have a point system, but I hear my cousins in other states always complaining about getting points on their DL. What is it and how does it work?
gpt
Points are bad. They count against you. Having more points means higher insurance premiums or deductibles or both. Too many points and you may be required to attend a traffic safety course or defensive driving course of some sort. Too too many points and they will just take away your license.

On the other hand, you can voluntarily go to those sorts of courses to lower your points to get better insurance premiums and things.

You get points when you get tickets for things like speeding, causing an accident, DUIs, unsafe driving, etc. How many points you get depends on the violation and what your state says about it.