Genuinely not recognizing a charge is not fraud, as that to me requires intent (or at least gross negligence, e.g., something like "I'll just dispute everything

Genuinely not recognizing a charge is not fraud, as that to me requires intent (or at least gross negligence, e.g., something like "I'll just dispute everything I don't remember, and not make a particularly good effort to remember anything at all"). "Just fraud" is already taken for "criminal c uses unwitting cardholder a's card at unwitting merchant b", so what's your objection against "fiendly fraud"?