Seriously, 40k is a fuck ton of money for normal people, it is a life altering amount of extra debt to carry. Don’t go around making light of such a punishment.
I personally think there should be more fitting punishment for these kind of crimes, as for a rich person this is nothing and for normal people it is maybe even too harsh. Regardless it won’t teach them what you want to teach. I’d probably go for a very hefty community service punishment, that can nessecarily be done in your home country (if possible)… but that’s me.