Hmmmm, let's talk about what I consider to be "Fraud".

1.) I think it is fraudulent to continue to charge someone for a service after that person has followed the terms and conditions and cancelled within a given time frame, as per the T & C.

2.) I think it is fraudulent to not pay as promised for personal information given.

3.) I think it is fraudulent for not shipping items that have been paid for.
(also, not giving credit for same item, but still charging your CC)

4.) I think it is suspicious when advertisers no longer wish to accept anything other than a CC.

I DO think there are a group of people out there that are participating in certifiable FRAUD. Where there is money to be made, there will be fraud.
But I think the advertisers are the pot calling the kettle black.

On a side note, Tricia your site is the best. Hang in there!