I hate red-light cameras and I think in many ways they are a waste of resources; however, your analysis is interesting but a bit off.
46.64.015 is not as clear as it looks - there are many different interpretations of this statute, and statutes have also been supplemented by court rules.
Without getting into a long legal analysis (we don't have the space for it in Avvo Answers), the Legislature has authorized municipalities to use red-light cameras; camera tickets do not affect a driver's insurance premiums; and a vehicle owner issued a notice of infraction for a camera infraction can fight the ticket in court and file a declaration of non-responsibility.
While I agree with the questioner's disdain of red-light cameras, the place to start in banning red-light cameras is with the Legislature or a citizen initiative. It would not be difficult for citizens to gather the required signatures for a petition.
We are pursuing a class action against the cities that use these cameras and the manufacturers of the cameras themselves. Please visit www.camerainfractions.com for more information if have received a ticket.