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And gone to jail when it doesn’t pan out?

Not your problem they made the mistake, cant get blood from a stone, sue me etc etc.

The person had a 6 figure job. They’d end up having their salary garnished to pay the debt. It would be far worse than just giving the money back.

Yes I mean vs what they did, at least there would be a chance of a good outcome, just returning the money would have been optimal.