Even in a more narrow case with no complications (even narrower than SBF, because he distributed money to good causes who can't pay it back), you're including the defence lawyers.
I'm (caveat: not a lawyer) more in favour of specifically criminal behaviour being handled by "piercing the corporate veil", putting the penalty directly on the humans who actually did the crime without letting them hide behind corporate personhood: https://en.wikipedia.org/wiki/Piercing_the_corporate_veil
But of course, it can be hard to prove who knew what, so sometimes "follow the money" is easier. And yes, I also agree with you that there are misaligned incentives in capitalism that lead to bad outcomes and we should work to improve that — just don't throw out the baby with the bathwater.