Not that this holds up to scrutiny, and there are certainly issues with fungibility of lives and money, but let's say the value of a life in the US is $10 milli

Not that this holds up to scrutiny, and there are certainly issues with fungibility of lives and money, but let's say the value of a life in the US is $10 million. $10 billion in fraud is 1,000 lives claimed. The sentence could have been worse.