[Nathan]

Based upon his logic, I could photocopy his credit card. What, its not stealing, I'm just reproducing it. I wasn't going to get a CC from that bank anyways, so its no business lost for them!

Edit: The potential is the same. You continue to share the pirated data, it affects the sales from someone who might have otherwise purchased it. Even though I myself may not use your credit card number, I may end up giving it to someone that will.