The difference is that these apps were offered as stuff like "play games, earn rewards." "watch videos, earn rewards" etc. so I don't know how it could even be remotely related to shoplifting or cc fraud...where those are so obvious.
"pay money, take the bagel". Violating such a contract by intentionally and knowingly skipping or falsifying the delivery of your part of the exchange looks to me like a fraud [IANAL].
