I'm sure this has been asked before, but I can't seem to search the forum easily.
We know that morally, if not legally, we should at least pay the principal back to these scammers.
But, one could hardly call their own business practices "moral".
What, if any, legal reprecussions would arise from finding and borrowing from as many of these illegal places as you can, then close your account and not pay ANYTHING back?
If enough people did this, wouldn't it quickly become unprofitable for the illegal companies to exist?