The crime was against the state of New York who has an interest in people believing New York has a free and fair financial market and that fraud is not tolerated.
The bank WAS also harmed. They were taking a bigger risk than they were being paid for. They would have asked for MORE interest if he’d been honest.
I have to do anything passkey based on chrome on Android. No clue why. Had to recover my PSN account like 4 times before I figured out it was a Firefox problem.