The reason its a scam is because either A. you defended your base successfully from the person who raided you and they either came back mid raid or before the 20 minute timer and take your hard earned money your grinding back up. Thats the scam, the fact they broke the timer or NLR to come back and illegally against server rules to take your money. Therefore not giving it back and only getting a warn/jail is the scam. You the player get scammed. The player that got warned/jailed doesnt care about their punishment and will continue to break server rules. You get scammed out of true justice.
Your comparing apples to oranges, when guns cost less then typical printer stashes in MOST cases. if somebody has 10 printers with 30k, thats 300k. No gun costs 300k.
The idea of being punished for scamming is enough to convince them to give it back. It isn't forcing, and if they don't give it they get punished. Simple.
This also in itself coerces the players of the server to follow the raid timer and NLR rules, as if they slip up and happen to take money from a printer they get in significantly more trouble then an ordinary NLR warning.
So your telling me, someone who has been spending hours grinding and loses 100k on all 12 of their printers, over a mil isn't being scammed out of their time, money, and justice? What the heck is a NLR/Failrp warning/jail going to do to deter the player from doing it again, or serve true justice?