How money recovery is decided as criminal or civil?

There are cases.1)A asks B to give him 100 ₹ and in return promised to give 120 ₹ next day and after receiving 100 ₹ , A just blocks B immediately and stop communicating further or even ask B to pay more 200 ₹ to get the previous capital+ROI of 120 ₹ and just kept delaying it and trap B2) A purchased a product from B on advance payment and built trust and next time A order again and asked B to deliver product on post paid payment and fails to make payment. A is financially capable of paying B but its just the intent which he think A can not do anything so he hold paymentAre'nt both cases of crime?nnWhat differentiate a money recover matter in civil vs criminal ?nnIts the intent/financial capability of culprit which differentiate?nI mean a person who can afford food/travelling/vehicle/day to day expenses can easily clear the small amounts like 5-10-15-20,000 ₹ that he awe to lender/seller.