OP is missing the key point made in their own title.
The title of the thread says MORALLY.
"Morally" may have some understandable flex in the case of true, survival-level dire need by the person committing x act. It may even have some (slight) bend to allow for cultural or embedded deprivation influence.
It may also have some +/- severity in terms of impact (e.g., it is an even greater moral infraction to sucker-punch a three-year-old with cerebral palsy than to sucker-punch a professional boxer, for a number of reasons).
And there can be righteous reasons to rise up collectively against oppressive schemes.
But aside from those things, regardless of degree, stealing what is not yours just because you desire it, because you just want or covet it for your own benefit, is some level of immoral.
Maybe sharing your Netflix account with your kid at college or your ex-wife is minor sin, and "everybody does it" and "you won't get caught," but it's still not quite yours.
That some organization or person can, in your view, afford it is irrelevant.
It's not yours, and you just want it so you take it - that's just a wrong. Own that, without some pretense of justification. You have no larger point; it's just "I want it."
Stealing anything is at the least an ugly little blot on one's book of life. Not egregious, maybe, assuming minor stuff, but it says something about who you are - and that is something between an imperfect human and a cheat, a liar, a thief.
Literally isn't because it's not merit based. It's as if I did an electrical installation and was charging you indefinitely for it's use, instead of charging work hours and materials once.
Your analogy doesn't work. Someone creates something and publishes it. Whether or not they charge you for it, you lifting it outside of the fair use/ criticism framework and using it directly, not even derivatively, to directly make money for yourself is theft (I am NOT talking about criticism or mockery of someone's output; I'm talking about literally taking someone's copyrighted words and repeating them as if they were your own and charging for/ profiting from that lie).
Your analogy also presumes an underlying charge for a service, which doesn't exist for stuff just put out there and made viewable. In your analogy, someone else is charging you for the electricity. The independent electrician is charging you to fix the systems that facilitate your receipt/ use of the thing you need, not the thing itself. If those things aren't owned/ managed by the electricity provider (in which case they would have to fix it for you), then it's completely different than a copyright scenario.