Yeah, I agree, only having the individual penalty would work. It would still have a negative impact on team performance, due to increased turnovers. The way it is now with both indiv. and team penalties is like double jeopardy (getting tried for the same crime twice), something we as the people of America are protected against by the Constitution. Another philosophical rebuttal to the system: "The sins of one should not impact the lives of many".
It's funny that you don't have to pay for this anymore, and that, in essence, WIS is paying you to play this game. Just keep winning so they can keep paying your bills and the rest of us can benefit from your knowledge.