It is a crime. Its fraud. Just because you and all your friends are jumping off a bridge doesn’t make it not stupid. Just like how if you and everyone you know does the same fraud. Its still fraud and all of you should face the consequences. Its white collar crime. Just because its “Victim less” does not make it non serious. If your willing to throw the book at petty thieft then you should be doing the same to anyone found emptying coffers under false guise.