credit cards, it's easier to justify to yourself. "victimless crime" they always say. I mean, long-run, if your bank doesn't hate you, it's right enough. but short-term it causes an enormous amount of suffering, and not everyone who has a credit card can afford to use the full balance every month.

you find $2k in cash? try to find who it belongs to. you find a travel rewards card? the temptation is stronger. easier to pocket, easier to get away with using, etc. etc. you get enough time alone with it you don't even gotta take it home. just copy the numbers and try to guess the zip code. diabolical.