Actually, we're in the middle according to the data, there's a few countries with better rates:
In regards to being fined for 5 km/h over the limit, there's no evidence that small increases in speed over the limit contributes to accidents. It's excessive speed that kills, like going 100 in a 60 zone. The other big killer is distraction and driver fatigue.
As for red lights, I'm fine with the strict rules there. I've almost been hit walking across the road by red light runners.