Most ponzi schemes and unauthorised trading start with someone trying to make up for a loss they made and hoping they will fix things and everyone will be made up. That doesn't make it less serious.
It may look surprising given the hatred of bankers here, but it's a profession based on honesty. A guy got banned from the city in London for regularly frauding on his train tickets.
Yes, this is why - regardless of the outcome - he needed to be charged. People shouldn't be able to think they can get away with a thought process that equates to "I can defraud people and if my plan doesn't work out I'll find some other way to make it right." Fraud is fraud, and if you make it "right" via some other channel you haven't really made it right. You've gotten lucky and made your fraud look better.
It may look surprising given the hatred of bankers here, but it's a profession based on honesty. A guy got banned from the city in London for regularly frauding on his train tickets.