Newcourt Credit Group Inc. is paying to install E-ZPass on 400 miles on the New Jersey Turnpike, the Garden State Parkway and the Atlantic City Expressway. In lieu of payment, the group will collect all of the fines that toll violators pay. If after the 10 year life of the investment plan, users of New Jersey highways are more honest than expected, New Jersey taxpayers will have to repay the cost of installation to the creditors. NJ newspapers have called for a more realistic plan.