Let me amend my earlier answer. So long as you are earning points solely as yourself, I see no issues with fraud. If you're one of the folks here who likes to brag about multiple accounts set up through your wife, children, friends, etc., then you sure better have the consent of these folks to use their names, SSNs, and other personal information in making an application, and you sure better not be making applications on behalf of dogs, cats, or those who might have been able to vote despite their deceased status in elections in certain districts in this country when political machines were a lot more formidable.
Yes, there might be little chance of detection of those activities, but there's no question about their fraudulent nature.