Question

Which underlying intent and evidence benchmark distinguishes Fraud from Willful Default?

A Fraud relies on repayment behavior evidence with the intent of "Not Returning What I Owe."
B Willful Default relies on fabrication/manipulation evidence with the intent of "Trying to Capture What Others Own."
C Fraud involves criminal deception backed by evidence of fabrication or manipulation ("Trying to Capture What Others Own").
D Willful Default requires proof of criminal impersonation before any recovery proceedings can begin.
E Fraud occurs only when a borrower pays installments on time but uses cash instead of bank transfers.
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