So Shangdude, if someone comes to you and asks to borrow, say 100,000 dollars from your retirement account, and you say \"no\", but then that person hacks into your account and takes out the money, that would not be stealing it, right? They may just have figured that it was setting there and you weren't really going to use it anyway. Same scenario as you laid out. Or let's say you have fifty acres of timber and someone asks if they can cut firewood or have some trees and you say \"no\" but, they help themselves anyway because they were just \"standing there\" and you probably aren't going to use it anyway.
A thief is a thief, no matter what the situation.