Final answer:
Negligence is the term that describes the overutilization or inappropriate utilization of services and misuse of resources. It specifically refers to situations where there is no criminal or intentional act involved.
Step-by-step explanation:
The overutilization or inappropriate utilization of services and misuse of resources, typically not a criminal or intentional act, is called negligence.
Abuse refers to the use of a substance without medical advice, while fraud is a deliberate act to deceive or gain an unfair advantage. Malpractice specifically refers to the negligence or unprofessional conduct of a professional, such as a doctor or lawyer.
Examples of **negligence** could include overprescribing medications, misusing medical resources, or not following evidence-based guidelines.