Without going into all that has been written --
Yes, it is unethical to steal bandwidth - and yes, that is what you ought to call it. It does reduce available bandwidth for the neighbor. When you are online listening to streaming audio, he/she will probably wonder why his/her download is taking so long, etc.
The ethical thing to do would be to tell the neighbor (if you know who it is) so that they can secure their network.
In the movie Cinderella Man, which is set in the Great Depression, the title character, James J. Braddock is trying to provide for his family during difficult times. His son, scared about the situation and afraid that he will be sent to live with relatives, takes a salami from a butcher shop. His dad makes him take it back and then has a 'man-to-man' talk with him. The memorable part is, "We don't steal. No matter what, we don't steal."
So you want to save money, good. So you want to be frugal, great. It just depends on what you're willing to do, ethically and morally, to accomplish that goal.
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