It's so different that it can't even be compared. There's nothing similar there.
>>The intent is convenience and privacy, not fraud.
> You're still harming the business, so my guess would be something like tortious interference.
No, you're not harming the business. You're simply not following the business idea of the "business". Anyone can have a business idea of some type. Not a single person on earth has any obligation to fulfill that business idea. But somehow some people believe the opposite.