How are all of you defining harm to yourselves? I'm very curious because I was not guided to avoid amends that might bring me harm unless it would directly or indirectly harm others as well (for example: if I were to go to jail as the result of amends, my children would suffer, so those amends may need to be done indirectly).
As far as making financial restitution, it can be done anonymously with a letter and a money order. If the owner at the time of the theft is uncertain, a public records search can settle that. Easy? No, but do we scratch it off the list because it's not easy? One of my sponsees made financial restitution in this way when the threat of jail was imminent if she came forward directly and she was in the process of trying to make a stable home for two teenagers who'd suffered greatly as the result of her addiction. But she made them--a $25 money order at a time.
Peace & Love,
Sugah