The difference is the police prosecute the jeweler. They don't prosecute the bank. It is left to the individual to prosecute.How is it different from any other theft? You are accusing the bank of committing the crime and being liable, they have the right to defend themselves and to be innocent until proven guilty.
What is insurance fraud? A jeweler insures his store, lets a thief rob him, collects the insurance and profits from the theft. The same thing can happen with someone claiming identity theft.