In a CIVIL SUIT, what James brought, not a criminal suit, there has to be an identified loss to a party involved that hasn't been indemnified (eg., made whole) otherwise. In James' suit, no such party existed. The government wasn't involved in the transactions or loans. The banks testified that they were made whole, and the loans Trump took out were paid in full.
If Trump committed a crime in that, why wasn't that charged against him? That's the problem with Bragg's case. Both he and the judge argued that it doesn't matter if Trump was convicted of an underlying crime or not, so long as in the jury's minds he committed one. That is, they argued it was sufficient that Trump committed a 'thought crime' that in turn justified the felony charges brought against him.
As for this bullshit, "...NY AG not only prosecuted them for it, but won both in court and all the way up to the NY Supreme Court." Neither of Trump's cases that had judgements against him have even gone to appellate court trial, let alone to the state Supreme Court. So, that's just bullshit on your part. My bet is both will be overturned completely on appeal.