Think about shop-lifting and the way it sends up the cost of goods to the legitimate customer. There are enough legal loopholes as it is without having to defraud the DHSS or the IR or whoever. Yet this seems to be almost an acceptable thing. The same as avoiding paying car tax or TV licences. The honest person pays through the nose for those who don't pay at all.
Prostitution is another thing youngsters see no harm in.
Again they could be apeing their elders. Probably not, alas. It would seem that a number of adults don't, either. This seems to me to be much more of a young person's activity than an older one's. It may be a sign of growing older that one acquires chattels for the memories or pleasure they bring, which then makes themirreplaceable.