Terry must be sanctioned because her actions were immoral. Economic consequences are only a secondary consideration.

Terry’s sentence must reconcile with the bank's financial detriment. Laws and sanctions are based on economic considerations.

Terry’s sentence is based on the economic consequences and efficiency considerations. The sentence ‘costs’ her because she lives in reduced circumstances.

Terry needs to be rehabilitated so she can contribute to society in the future and offset the cost of her trial. Laws and sanctions are based on economic considerations.