Fraud is a 2b1.1 crime, so the sentence scales with the "losses" to the victims; you can get +30 levels off that alone, which catapults the sentence into double digits.
It strikes me as a weakness in our system that this is keyed to the $ amount. You can defraud a person of modest means of $50,000 and wipe them out financially; you could defraud some rich people of $2 billion without it impacting them in the slightest. This strongly incentivizes preying on the weak.
