The two have nothing to do which each other (regardless if it is city or federal crimes) ! ... If you do not agree with that clear statement you lack a basic understanding of halacha.
I'm not sure what exactly your point of view is here. You aren't stating anything other than "not everything is a sin". Fine, most of us agree on that point.
When talking fraud in general, how can you argue that I am
wrong when stating that most fraud is a sin? The Torah is pretty clear about
not stealing. I don't have to prove that stealing is indeed an Aveira,
you have to prove that a particular case is
not an Aveira. I am merely stating the general Halacha, you are the one that needs to find the
exception to that Halacha.
While I am at it, let me state some other things that you might object to:
-Eating bacon is a sin
-Murder is a sin
-Turning on the light on Shabbos is a sin