Frankly I think there's also some sort of "sympathy level" in the law. If a little old lady living on a fixed income loses all her meager savings to a huckster

Frankly I think there's also some sort of "sympathy level" in the law. If a little old lady living on a fixed income loses all her meager savings to a huckster we feel a lot worse for her than if a Wall Street 1%er with three houses loses all his savings to the same huckster. Which might not be the fairest or most logical way to legislate, but laws are about feelings as much as anything else.