Which then makes whatever business practice is causing damage actually cost the company money. That’s the point. If the bottom line is dollars, making it so that illegal or unethical practices CANNOT make you money, because you’ll be fined more than the amount you made. Or, if you REALLY want to split hairs, sure, you’ll be forced to refund 100%, and then fined 10% on top of that. If that’s REALLY the distinction you want to make, go for it. It’s the same in the end.