So I'll chip in that for basic theft, one of the core elements is intent to permanently deprive the original owner. So if someone steals money, changes their mind, and then returns it, that's still theft. And taking money to spend, with a promise of returning money later, still counts as theft. But if the intent all along was to return it the next day, stored safely the entire time, that's not theft.
Obviously intent is hard to prove, so don't try to pull that off without a lot of evidence and/or a very understanding target.
Legally, this isn't even remotely true.
If you deprive someone of their legal possessions without permission, even with intent to return it later, you are guilty of theft.
There is no loophole that allows you to temporarily steal things as long as you intend to return them.
Intent only comes into play if the person had no intention of depriving the other person. An example would be if you accidentally pick up someone else's jacket because you thought it was yours.
The difference isn't a loophole.
www.criminaldefenselawyer.com/resources/criminal-defense/criminal-offense/what-difference-between-joyriding-stealing-a-ca r
Fraud is deception with the intent of personal gain.
He wrote and published an entire blog article entitled "How I exploited existing youtube videos with a fake Patreon profile" in which he describes how he registered a Patreon account with the expectation of deceiving users into sending him money.
If a "street magician" randomly picks my pocket out of the blue, you can bet I consider that theft, even if they give it back afterwards. They'd better get my consent to do anything with my person or my property.