That's because the whole thing is stupid. Is made by stupids, marketed to stupids, paid by stupids, and for the most part used by stupids. Because they're stupid.
Squarely a "cost of doing business" level of punishment. Worthless. But I'm sure everyone who receives a $0.37 check will feel like they've been made whole right?
You're correct in the second half though. It doesn't take brains to steal, see November 5 2024.