At this level, the penalties are getting a little too big for their britches. They're like, 'Hey, you got a penalty, you got a penalty!'
But seriously, this is the level where you'll find the most egregious examples of penalties. Like, have you ever gotten a parking ticket for parking in a handicapped spot? Yeah, that's a level 4 penalty.
Or maybe you've been late to work one too many times and your boss has docked you for it? That's a level 4 penalty too.
So, be careful out there, because the penalties are coming. And when they come, they come with a vengeance.
Take it up a notch to Level 5, where the penalties are even more severe.
Or, if you're feeling brave, go back to Level 3, where the penalties are still pretty lame.