People don't typucally drive at speeds they think are unsafe. When someone is speeding, they generally believe that they are capable of safely operating their vehicle on that stretch of road under the current conditions.
Avoiding the time wasted while pulled over does sound like a reason not to speed but even there it's a tradeoff. How much time do I save off my commute vs how long a stop would take weighted by the probability of being pulled over.
This is worse than any financial penalty, even to me, and I ain't rich.