From the perspective of an applicant's emotional response, sure, but it's absolutely relevant in order to have a conversation about how to solve it since the different causes may need different approaches, or may occur in sufficiently differing rates to influence which should be addressed first.
But if we’re claiming fraud, either way the intent is actually the deciding factor. You can’t commit fraud without a guilty mind (mens rea)- at least in any jurisdiction I’m aware of.
From the perspective of an applicant's emotional response, sure, but it's absolutely relevant in order to have a conversation about how to solve it since the different causes may need different approaches, or may occur in sufficiently differing rates to influence which should be addressed first.