That makes some sense, but is a little out of keeping with what people expect in part because losses in many "physical" kinds of crimes aren't usually reported

That makes some sense, but is a little out of keeping with what people expect in part because losses in many "physical" kinds of crimes aren't usually reported in an all-inclusive manner, but just report the direct damage. For example, if someone vandalizes (or steals) $20k of goods in a Wal-Mart warehouse, both Wal-Mart and the media will typically report that as $20k damage (or theft), rather than adding to the $20k the cost of the security response, lost business or increased overtime caused by supply-chain disruption, etc. Theft statutes that include thresholds for different classes of theft also usually refer only to the value of the stolen goods, not other losses caused by their theft (such as loss of business, cost of security response, or supply-chain disruption). You could justify including them, but it doesn't seem to be that common.