"If someone is in an emergency and have no other option then they will likely value getting an Uber more and would be willing to pay for one." You just repeate

"If someone is in an emergency and have no other option then they will likely value getting an Uber more and would be willing to pay for one." You just repeated what I said. "The app." If an app is the one submitting information without knowledge and consent of the user, then there's no fraud from the user part. But there might be illegal behavior from the app maker's part in some jurisdictions.