Only if they defrauded one of the most effective charities (as opposed to $4500 raised to buy some new musical instruments for a school) and only if punishments

Only if they defrauded one of the most effective charities (as opposed to $4500 raised to buy some new musical instruments for a school) and only if punishments should be determined by total harm caused. Harm caused is usually one of several factors we use to determine punishments, which is why attempted murder is punishable even if the perpetrator failed to cause any harm. (Not saying our current system for punishment is necessarily right.)