IANAL and all, but bad/unfavorable contracts and literal deception/fraud are two different things, at least in the legal system. Not everything that's technically possible is also allowed, obviously.
Compare it to using a security flaw to hack into a system. Technically you're only using the official API, maybe in unusual ways, but still. But you're doing it in bad faith and causing harm, maybe pretending to be someone you're not or injecting fake data into the system, and that can make a difference.
I'd say nobody. Not putting innocent people in jail is more important than punishing criminals imo. But idk what to do with the guilty half instead.