You are as soon as they want you to be. I'm not being facetious. The laws, especially those relating to regulating finance, are written as broadly as possible

You are as soon as they want you to be. I'm not being facetious. The laws, especially those relating to regulating finance, are written as broadly as possible to give them as much power as possible. If you hit their radar, they can send you away for a very long time. On top of that, the legal system has little to no understanding of technology and it appears from the cases I've seen (as a layman) that the courts take analogies as fact. Thus if someone testifies "it's like doing X with Y" even though X is very different because it's digital than the literal concrete X, they take it at face value. This is why scraping data on a public website is treated as if it was breaking into a computer system, because "its like trying all the doors and finding one that's unlocked and then going in and taking the houses contents, your honor!!!1"