So you feel fraudulent misrepresentation have no consequences in business and the actual law should only be applied once it ends in tears?
You really need to read the extent of the misrepresentation and fraudulent certifications from Trump's team that extended over a decade before you make such generalisations.
Banks are fined in the $B for much less when their internal processes don't pick up very complex regulatory obligations (e.g. AML). Note that these fines are still applied even when there is NO CLEAR INTENT to circumvent.
Do you understand the double standards you have applied here and the inevitable consequences of dismissing such blatant fraud?