[Oni]

I understand that desperate people can do desperate things. No matter the circumstance, stealing is immoral/illegal. The same goes for any sort of warranty fraud.

My justification for SE'ing and refunding is that it's usually too huge companies who can afford the loss and the company may have done something even worse. But carding is targeting individuals, and you could fuck their life up by carding.

Individuals work at the companies you're hurting. When the company loses out on its bottom line, guess whose wages get cut? You're hurting someone else, for personal gain.