The difference is between someone getting their own money back a bit ahead of schedule vs someone getting the money they were not owed at all. Framing it as rich vs poor is misleading.
What about the Verizon Math incident? Verizon charging 100x over a math mistake and refusing to update or refund. What criminal charges were made there?
Criminal charge requires criminal intent. A customer service representative being bad at math is not criminal intent. Again, it is not rich vs poor, it is "knowingly enriched themselves with other people's money" vs not that.
