[jacquesm]

I can call it whatever I want. Whether a judge will agree with that is another matter, but the common layperson's definition of fraud is not the same as the legal one that could lead to a criminal conviction, if only because they both have a different standard for evidence. Splitting legal hairs is what may make you decide to pursue a fraud case or letting one go, doesn't mean that it wasn't fraud.

You can see this happen every day, plenty of cases that are fairly obviously - to a layperson - fraud end up not being prosecuted because it is hard to prove the facts and then there is the matter of intent. Still, nobody is fooled.