I think the penalty system for contact is beyond saving at this point, I may be a minority here but I'd rather see it gone from the game altogether. It seems to do more harm than good, it often doesn't know what to do when there's a blatant takeout but it can kill your SR for a harmless brush against another car (which may even be netcode at times). I made no contact with anyone else in that race yet ended up with a net loss of 4 SR.
I'm sure that at least in situations where people are actively trying to race clean (which includes actually waiting for someone you accidentally take out) we'd be better off without it. When it was turned off at the start of this year, I saw and took part in some great racing in top split.