It is important to note that while a FICO score is roughly equivalent to “trustworthiness”, the three credit agency scores (Equifax, TransUnion, and Experian) are NOT meant to reflect your trustworthiness directly. Rather, they are specifically designed to inform lenders of your profitability for them.

It’s an important distinction because having a an outstanding payment history alone won’t improve these scores, if you aren’t utilizing available credit and maintaining some running balance with lenders.

Basically, if you’re just going to borrow money and never pay any interest on the loans, you aren’t actually a source of profit and therefore aren’t a desirable customer for lenders and creditors

There are lots of reasons to pirate stuff, but this argument in particular boils down to “We should steal stuff now because maybe some day in the future I won’t be able to use the paid version after they go out of business.” And that is shitty.

You bought it, so go crack it now that the license check is broken and nobody will care. That’s GOOD piracy. Support the creators, pirate when you can’t or it’s unreasonable to pay (more).

Don’t just pirate to mitigate theoretical future inconvenience. Do it to circumvent actual inconvenience, or to get things you couldn’t otherwise afford, or to say “fuck you” to big, shitty companies.

But pirating from a small-time dev just in case there are maybe license problems far in the future is not The Way