[ManyBeers]

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Colluding in a card game is a scam. What is going on here is ..FRAUD

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Main Entry: scam
Pronunciation: 'skam
Function: noun
Etymology: origin unknown
: a fraudulent or deceptive act or operation

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Well you can use the word scam for this. And I'll call it FRAUD. So your saying if this was a court of law and (just for the sake of argument) the bank was brought up on charges. they would use the word scaming customers instead of defrauding customers is that your position?
Personally I have never heard of a law against scamming.
Isn't FRAUD the legal term here and scam a whitewash term?