The NSW government announced the changes to the Fines Act 1996 this week, which would see those receiving government payments given the option to apply for a 50 per cent reduction in the cost of a fine such as speeding, as well as opening up the option to pay by installments to everyone.

Coming into effect from July 1, the move has left some feeling hopeful at the chance to learn from their mistakes, while others stand by the old adage of 'you do the crime, you do the time'.

Adelong resident Ian Horsely said his first reaction to the announcement was one of shock.

"I'm disgusted, to be honest, and I'm surprised," the 76-year-old said.

"I just think that there have already been extensive concessions or support payments, and that this area does not deserve such a concession."

The new legislation would exclude the reduction of fine amounts issued by a court, voting-related fine, jury duty fine or a fine issued to a body corporate. Any suspension, cancellation, disqualification or loss of demerit points on a driver licence will also still apply.

Mr Horsely said he held concerns that those on welfare payments would not take law enforcers seriously with the new reduction scheme.

"I don't see how this could act as a deterrent still," he said.

"I realise the demerit points and such will still apply but the full financial penalty should apply too.

"I'll say it again and again, the best way to avoid a fine is to not commit the offence."

Treasurer Dominic Perrottet said he felt the reduced cost would still deter people from offending.

"These fines should be exactly that, a deterrent, not an out of scale punishment and we want to help people who are in extreme financial hardship by allowing them to apply to have their fine amount reduced by 50 per cent," he said.

Attorney General Mark Speakman said there were many NSW citizens doing it tough due to the unprecedented upheaval caused by the COVID-19 pandemic.

"These reforms will strike the right balance, ensuring we hold people to account for breaking the rules and endangering our roads, but without placing undue burdens on disadvantaged members of our community," he said.

Wagga resident and welfare recipient James O'Reilly was in support of the move to cut costs, but said he could understand the concern of others.

"I think it's a great idea, but I get that it might be an issue for some people if they think it's easier to get away with something," he said.

"But others do learn from their mistakes so it should be okay."