None of the above.
NJ DMV charges a Fine that they call Insurance Surcharges, if you have to many points on your license. And many moons ago I was flat broke, and couldn't make my payment. So they suspended my license, and of course I was pulled over. I couldn't afford a lawyer, and I apparently made to much for a public defender. I guess $200 a week was a lot of money in 98!
I was charged with driving on the revoke list. 39:3-40 (g). The g part means your screwed out of big bucks. ie $3K. The statute reads that upon payment of surcharges the fine will be waived by the court. So I didn't think anything of it, since to get my license back I would have to pay the surcharge anyway. But alas they read it as that I needed to pay the surcharge prior to going to court.
You say 98 was a long time ago right. Well I didn't find out about it until last month. So because I was late on $750 worth of surcharges I need to pay a $3,000 fine. WTF!!!!!!!!!!!!!
In the state of NJ if your financially destitute, and fail to pay your surcharge (extortion) they fine you an additional $3,000 just to make sure you stay poor.