I do get the point, and I know d*r*j* phrased it kind of... pontifically... but joking aside though, surely there are both moral and amoral ways for us to save money. On a small scale, yesterday I ordered two pizzas, went down to the store to pick them up, left with them and it wasn't until I was halfway down the street that I realised that they hadn't asked me to pay for them. At that point, I could have kept walking and they'd continue to be none-the-wiser as I saved $14, or I could have done what I did and go back to the store and let them know the pizzas hadn't been paid for. (The pizza-people were kind of surprised that I went back and told them, actually.) Obviously that sort of thing and choosing to or not to exchange toys at a different store to the one you bought it from isn't the same scale as Nigerian bank scams, laundering money, burglary etc. Still, surely something that resembles scamming or pilfering is arguably unethical, regardless of how big or small the scale may be.