I would consider the moral failure of SBF to be worse than the incompetence of Karpeles.
Also, SBF was a billionaire hobnobbing with politicians and celebrated by Forbes. Karpeles was some confused dev on his computer who loved his cat and wanted to build a coffee shop.
SBF's failure is going to have larger consequences outside the crypto sphere.
Jeffrey Epstein funneled hundreds of million of dollars (and 16-yr-old girls) through politicians and business celebrities, and there were trivial consequences outside his family.
SBF just stumbled into money and spread it around, like the Oculus guy.
He was in a custody for about a year, he was later sentenced to a suspended year in prison. He still lives in Tokyo, no idea what he does for work now though.
Also, SBF was a billionaire hobnobbing with politicians and celebrated by Forbes. Karpeles was some confused dev on his computer who loved his cat and wanted to build a coffee shop.
SBF's failure is going to have larger consequences outside the crypto sphere.