Of the three, fraud is considered the most severe violation because it is intentional. Fraud involves deliberate deception or misrepresentation to obtain financial or personal gain. It often involves intentional acts of deceit, such as falsifying documents, misreporting information, or intentionally misleading others for personal benefit. Unlike waste or abuse, which may be unintentional or careless actions, fraud is a deliberate and conscious effort to deceive and exploit others, making it the most severe violation.
