It's the difference between violating a no skateboarding sign in front of a shopping mall versus a no trespassing sign at a military base. They're both "just signs", right?
But I don't see how it's fraud in the criminal sense. That's just my judgement as a citizen, not a lawyer. All I see is the shopping mall shaping criminal law to its own benefit.
As for the military bases, yeah, stay away from those, kids.
Fraud is just any time you intentionally deceive someone for material gain. Even without the ToS this would presumably still qualify as fraud. The ToS just makes it more straightforward to argue (IIUC, IANAL, etc).
A decent rule of thumb is that if your hack or neat trick results in money in your bank account that the other party wouldn't have paid out to you had they been aware of what was happening then you are almost certainly committing a felony of some sort.
