I always wonder with such things where the line between dishonest advertising and fraud is. To me its fraud, but a lot of people take a different view. E.g. in a lot of countries in Europe, banks were offering loans where the debt was registered in Swiss Francs. They advertised it as really safe, but it wasn't and they knew it. But in some countries the banks got into issues with authorities and in others it was viewed as the risk that the borrower should've known. I'm never really sure where to draw the line.