An irritating figure

He is about 25 years old, drives a pick-up truck and wears a ballcap. He stayed up way too late last night (again), could barely drag himself out of bed this morning, rushed to get ready, and now he is late for work. So he drives like a maniac in the midst of rush-hour traffic, passing in dangerous situations where he gains virtually nothing for his recklessness. I am very glad that his insurance rates are outrageously high, because he deserves it. The problem is that other young men's rates are affected by his negligence.