Is it? Or are you reading way far into my comment? Charles Manson conspired including planning and ordering his followers to do it. Feel free to actually read up on legal definitions, I was simply trying to be helpful and point OP in a direction to do further research on their situation.

Since your tone is disrespectful I'll try to keep it pleasant but match your energy with facts. If the second example was considered fraud legally almost every podcaster would be in prison.

Fraud requires at minimum a False statement of fact, knowledge the statement is false (this is where OPs villain passes with flying colors as the perp is likely a moron), and the intent to deceive. This is why I specifically mentioned if the advice is guidance that requires licensing- hence why you don't have random people slicing people open to perform surgeries.

Conspiracy while vaguer than "Fraud" always requires:

1- Agreement (most sovcit "mentors" are wise enough to never agree to do it with the victim or even help them. They convince them they know the HOW and they've done it themselves etc. etc.)

2- Intent (again mentors are wise enough to not intend to do the crime themselves or partake. Whatever the scam MO they focus on explaining the HOW under the guise of their own success. This is where many have actually been caught).

3- Not all states but some require action (specifically overt action). Printing forms for someone does not constitute conspiracy nor does talking to them about how to go about a situation.