Ownership that costs you nothing extra changes nothing; the law prices repair above the damage on purpose.
Confession that stops at words leaves the second decision half made, because a man can say a thing was his and still privately hold that it happened to him. Attaching a number closes that gap. The wrong is answered to God, then it is felt in the hands at a fifth above what it took, and what a man pays for at that price he does not repeat.
The money goes to the specific person he harmed rather than into a general fund of guilt, which keeps the meaning fastened to a face and keeps the action from dissolving into a feeling. Guilt that is never priced follows a man for years; guilt paid past full has a closing date he can name.