I don't agree with it though, it's like the perfect crime: steal 1000 BTC now, wait until it's worth 10 times more, then pay back $10 million, and keep $90 million for yourself.
Yeah, but what if, for example, you stole $10M worth of Bitconnect? 
It's really one or the other. Neither choice is great and there is always an exception that will land you in a sticky situation: I guess we're just not smart enough to come to a satisfactory result that will satiate all people.
If you don't ask you don't get.
I just tell them that I'm allergic to bureaucracy.