Okay -- maybe I'm missing something here.  Lemme see if I have this right.

1. Client owes a $13,280 credit card bill.

2. Wild gets signed authorization from client to pay that $13,280 bill.

3. Between hence and thence, the balance due increase by $190 to $13,470.

4. Rather than "bother" the client and resubmit the paperwork for her signature, Wild foolishly cuts and pastes the client's old signature onto a new authorization to pay the $13,470 revised bill.

Assuming that I got it all correct -- and assuming that you note that I described Wild as "foolishly" engaging in the self-help measures with the second form -- I'm not sure that this all adds up to both a $5,000 fine AND a one month suspension.  I'm am in no way excusing the "forging" of the signature or the potentially dangerous acts of failing to get a customer's prior authorization. We all clear about that?  However, it doesn't strike me that Wild's motivation was venal and I'm not sure why, say, a $500 fine would not have sent the appropriate message based upon the facts at hand.  If you wanted to toss in a 5 day suspension on top of that, go ahead.  However, regardless of FINRA's perspective, $5,000 is a lot of bucks.