Civil behavior, but closer to financial fraud. For example, the bank signs an agreement for you. In the agreement, you owe the bank 100w, but the actual bank gives you 10w, but you don't have to pay it back, and then you are blacklisted by the bank. In other words, you personally take the benefits of 10w, but you have to bear the bad debts of 90w caused by the bank in other aspects.