> especially when setting up an account where money will change hands. That is technically actual fraud no, that's not fraud. It might be an element of fraud i

> especially when setting up an account where money will change hands. That is technically actual fraud no, that's not fraud. It might be an element of fraud if it was a loophole you were exploiting to use the account for some fraudulent purpose, but fraud requires theft or similar, not just technical violations of terms.