Someone paid to have a fantasy of sex, and they got that fantasy. If they don't like it, they don't do it again, and this is true whether it's "the model" or someone else. If they do like it, what's the issue?

This is like saying you paid for a celebrity plumber & a regular plumber did the work, but you're upset because you wanted the celebrity. "The job" got done one way or another. They're selling digital handjobs here, there's no need to be precious about it.

That’s not what they paid for, they paid to speak to person x, not person y.

> If they do like it, what's the issue?

Are you serious? However goofy that sounds, they paid for a specific fantasy. They would not have paid if you advertised the service as "talk dirty with a random dude in India". If the only reason they paid for the service is that they were promised a specific person, that's fraud. As simple as that.

Your judgment about whether the services are equivalent doesn't matter. If I pay you for Gucci socks, and you intentionally send me cheaper HZBZZYXY socks from Amazon instead, that's fraud even if they're still socks.