Okay kiddo, let me try to explain what a fine or penalty is.
You know how sometimes when you do something wrong or break a rule, your parent or teacher might take away one of your toys or give you a time-out? That's because they want to teach you that there are consequences for your actions.
Well, sometimes when grown-ups do something wrong or break a rule, they also face consequences. One of those consequences is a fine or penalty.
A fine or penalty is like when a grown-up has to give their money to the government or an organization as punishment for doing something wrong. For example, if someone drives too fast and gets caught by the police, the police might give them a ticket which means they have to pay a fine.
The amount of the fine can vary depending on how bad the wrong-doing was. For smaller things, the fine might not be very much but for really bad things, the fine can be very big.
So basically, a fine or penalty is a way for grown-ups to learn that actions have consequences and they have to take responsibility for their actions.