A conviction for conspiracy to commit an offence means that it was proven than there was more than just a preparatory action towards the commission of the offence. The suggestion that somehow because there was no 'complainant' mitigates the offence is ludicrous; For example, does Conspiracy to Commit Armed Robbery lessen the offence? No, it's by good fortune, Police work and the justice system that some bank clerk did not have a firearm pointed at them. What about Conspiracy to Commit Acts of Terrorism? Is it acceptable if no-one is killed? In this case, the financial loss of mortgage companies would inevitably be passed on to the customer, you and me. Shoplifting is a classic, as is insurance fraud, the costs of which are all passed on to the consumer - you and me. I for one am grateful that the actual commission of crimes is prevented.
And don't forget the cost to society of the court case, several hundred thousands of pounds, and the cost of keeping these people in prison, all these costs are borne by us, the tax payer.