A lady had a crisis and another lady started a go-fund-me account. The lady who started it told some people and the people donated. The account garnered some money but the lady in crisis never saw any money. But the lady who started the account started conspicuously buying some stuff. Somebody asked about the status of the account/money and the lady said the bank closed the account since it was only open for a specific period of time. Then the lady said the bank mailed a check but the check got lost and there's nothing anybody can do about it. The money's gone. My question is, is it a crime to open such an account under those circumstances and then just keep the money for oneself?