Is it okay to rob a bank for a billion if each individual customer only loses $10? Stealing $10 is fine right, why don't we just let every company with your credit card steal a little $10 from you? You don't mind right?

Excusing illegal behavior creates a moral hazard and over time leads to the kind of amoral and corrupt government and business leaders we have today. There's a pervasive sense in society that money can buy you out of any consequences and morality is basically irrelevant, every little thing like this is how it happens. It's the same dynamic as SF failing to police minor shoplifting for years, which led to stores closing and metal bars everywhere that we have today. Even then we actually do punish a few shoplifters for stealing $100 worth of goods, but we don't punish these companies for stealing billions worth?