Then why not just go rob a BoA bank? Seriously. Under your logic they deserve it and they won't be materially affected by your robbery, so no harm, right?
Also if you have no moral compass, if you're only interested in the money, you seem to have missed my line about employers and insurance companies (and many more) that use your credit report to determine your responsibility level. You may not get that next job; your car insurance premiums may double; you may not be able to open a checking or savings account at a bank that pulls your credit report. So yes, there is a real financial effect from declaring bankruptcy even if you truly do not need credit in the next 10 years (unlikely).
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