Receiving a penalty from an action will most likely result in

   Not doing the action often

Explanation:  When a penalty is received for an action committed, which implies that the action committed is not admissible and as such is sanctioned by law or by another internal rule, then that action will not be repeated often. It is realistically impossible for such an action to never happen again, but it will certainly be reduced, i.e. it will not be done as often.

prime rate/ credit history apex

because the early people found out about it.