restitution, but not whole
There is a point where restitution does not make the victim whole again. Somebody losing their life savings for years until the restitution is made has likely accumulated other financial damages due to the lack of said life savings. In some instances opportunity lost can never be regained or compensated. In this case determining this additional damage is a monumental task. Being fair and just is not easy.
I'm not defending this guy's actions, but how is it that full restitution is laid in his lap? I'm all for getting the victims their money back. I'm afraid that the system may look at the case as "this is all we can do, so that's what we get". Somebody does have to pay the bill for investigation and prosecution. Even with a conviction not all those costs are covered.