It's not theft. It's fraud. Framing the action of defrauding a person as a downstream effect of being a victim of theft, is nothing short of institutionalised

It's not theft. It's fraud. Framing the action of defrauding a person as a downstream effect of being a victim of theft, is nothing short of institutionalised victim blaming. No, just no. The person was defrauded because of stolen identity and/or payment info documents. They were not a "victim of theft": they were a target of fraud. Calling it theft is a sleight of hand to absolve banks, payment providers and businesses from their responsibilities.