Det er litt mer nyansert i usa
Fraud laws are not just legal principles but a powerful arsenal equipped with a variety of tools and mechanisms aimed at uncovering, mitigating, and punishing fraudulent behaviours. At their core is the key element: the intention to deceive or make a false representation in order to obtain an undue advantage or injure another party.
https://www.fraud.com/post/fraud-laws
The good news is that fraud crimes involve a key element of intent, which means the conduct must be intentional to constitute a criminal offense.
https://www.pkatzlegal.com/blog/can-you-accidentally-commit-a-fraudulent-crime/