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BLUR, I'll answer you this way – if you can't figure out how to check whether your opponent is cheating, just don't think about it at all.
Build a house, grow a tree, what are your life values? Focus on that. And in Heroes, assume that your opponents are not cheating.
One day, if you don't stop learning how to play Heroes, the answers will come to you.
There is no definitive answer to your question – you need to pay close attention and think in each specific situation.
p.s. if you are a cheater and are just testing the waters, then the answer is this – in your example, it's impossible to catch. And in real life, it's optimal if you rob a bank.