Who will help me on my quest?

Hey hackers!

I'm a very poor kid so i want to make some $.
I want to achieve this by hacking :s
I want to know if it's possible to bind keyloggers and virus to torrents, and spreading these undetectable.
I would like to steal emails and passwords from social sites and online games,
but rather paypal and creditcards. I know it's illegal and evil but this is what it is.
I want to learn how to earn a bit of money because being poor sucks.
I know theres ready-to-go programs but i want to know how.

Please respond you hacker out there that knows stuff.

A poor kid.