It depends on your view of risk. If it's illegal, you risk getting caught and missing out business entity search process. If it's immoral, you risk the anger of others (plus your own feelings of shame).
It's also related to your view of the short term vs the longer term. When you have needed, the short-term looms large and can obscure longer-term costs. 'Repent at leisure', as they say.
Also, beware of making excuses for yourself. No criminal thinks they are bad. They think 'I need it more than they do', 'I deserve it, and so on. Think about when you are old, looking back on your life. Avoid regret and shame. Do things now you'll be proud of later.