Rather than penalize the victim the penalty should go first to the bank and then to the perp when they are caught. If the banks were required to reimburse the victims for all tangible losses, plus "pain and suffering" then it might raise their pain level to the point where it becomes desirable for them to actually do something. As for the perps in addition to mandatory jail time perhaps we should bring back flogging and the pillory. One strip with a cane for each $10 of damages (tangible plus pain and suffering) might bring them into line. The really bad perps would probably be whipped to death and wouldn't that be an object lesson to those who would emulate them. Certainly would prevent repeat offensives and keep the tax payers expense down at the same time.