Not to mention the damage to the service providers that have their other clients affected because of this. Besides, if someone robs you, would the prosecutor handwave it away saying it's fine because they only got $20
Yes.
In fact, when my mother's grandfather was in conservatorship, his conservator (my mother's cousin) embezzled over $600,000 from his estate, and the prosecutor refused to prosecute.
We were able to get somewhere over half of the amount back through a civil suit.
Don't ever expect that the prosecutor is there to help you.