Without the swift promise of decades in prison, what prevents the "next SBF" from committing similar crimes and causing similar damage?

> Everyone has only 1 life

Doesn't that make imprisonment (the ultimate time penalty) one of the fairest, most equitable punishments there is?

> We should have a better system to force these individuals to pay back or make up the losses.

As you say, he'll never be able to pay it back. The state can't force him to pursue high-paying work, and he goes unpunished in the meantime?