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Please reread my post - key word then in sentence 4.
If Fred Smith buys a house and a car and has some credit cards and THEN loses his job some time later(assuming he is not psychic and does not have ESP) and he cannot pay for the items he bought - this is not fraud. If you don't pay your credit card bill - the creditor can usually figure that out!
It must be difficult to see bad ulterior motives in all that people do. 90% of the population are not criminals and so do not spend their time thinking of how to bilk others.
If Fred Smith buys a house and a car and has some credit cards and THEN loses his job some time later(assuming he is not psychic and does not have ESP) and he cannot pay for the items he bought - this is not fraud. If you don't pay your credit card bill - the creditor can usually figure that out!
It must be difficult to see bad ulterior motives in all that people do. 90% of the population are not criminals and so do not spend their time thinking of how to bilk others.
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