I genuinely don't understand this critique, and in good faith I'd like you to explain it, because stealing tokens that are supposed to represent physical goods is super different than copying a song or a game or a book. If a college writes a book, am I literally stealing their money if I photocopy the book from the library? Do I need to pay them a portion of the cost if I only copy one page? What if I copy my own physical books that I bought?
The idea that somehow copying things = stealing money directly from a bank account is the most mind-blowing thing.
There are people who do think exactly that - that photocopying should be illegal because even if you only copy one page, you're depriving the publisher of profit and the author of whatever royalties they might get from the sale of the book.
Every book has a blurb asserting that it may not be copied. At the moment, I'm holding a copy of
Rissa and Tregare, by F.M. Busby. On the copyright/printing history page, it says: "This book may not be reproduced in whole, or in part, by mimeograph or any other means, without permission." Then follows the publisher's address if you want clarification or to ask for permission.
There's a difference, though. This book by Busby is a science fiction novel, and when I bought it, the price was a whole, whopping $2.95 CAD, back in the '80s. The American price listed on the front cover was $2.75 US; this is normal in Canada to have two prices listed on books.
You can't even get this book second-hand now for $2.95, even if buying in a physical store as opposed to Amazon Marketplace. So even though I don't hesitate to recommend that people read Busby's novels, I know full well that they're not easy to find at a reasonable price anymore, and haven't been for many years. Busby stopped writing in the '90s and died in the early '00s. I consider myself fortunate to have met and had conversations with both him and his wife at a convention in the late '80s.
Now take the case of college/university textbooks. They're ungodly expensive. They were insanely expensive even back in the early-mid 1980s, when I did most of my college courses. The students complained to a couple of the instructors about the long list of textbooks we were expected to buy, when in some cases we'd only need a couple of specific chapters.
One instructor shrugged and told us to either find a copy in the library and photocopy the chapters or get the book from the college bookstore, read the chapters, and then return the book (returns were allowed within 7 days). Another told us to go to the bookstore and read it there (yeah,
that would go over well with the staff...

).
Some of us went the photocopying route. Some did the buy-read-return route. Some of us made a textbook-sharing agreement with our study groups.
And at no time did any of us give a fraction of a damn about copyright or that by sharing books or photocopying that we were breaking the law (technically we were). Those books would have run us another couple of hundred dollars, which none of us could afford.
I remember being grateful to my geography instructor when he told me not to bother buying the latest edition of the textbook that was listed in the course outline. He said there wasn't enough of a difference between them to justify the expense and he knew I was on a tight budget, and that the previous edition would do fine. So I used the previous edition, and it turns out that the "difference" that resulted in a new edition, and a hefty price tag of over $50 was just a few sentences in one chapter - information that wasn't earthshakingly new or couldn't be found elsewhere (I'm one of these odd people who reads atlases and geography books for fun).
I made a nice little profit on textbooks one year. There's one particular one that was always used by the various sociology instructors:
Invitation to Sociology. It's a small book that at that time came with a price tag of over $8.00. That sounds like peanuts now, but back then it was a lot for such a small book.
One day I was in my favorite second-hand bookstore when I noticed multiple copies of this book. They were priced at $2 each, so after checking the college bookstore to see if the book was still going to be used, I went back to the second-hand place and bought up all the copies. Then I advertised them for sale at a price that was more than what I'd paid but noticeably less than what they would have to pay in the college bookstore (second-hand books are how a lot of people got through their classes, though you had to be careful that they were the correct edition). Since I had half a dozen copies, it added up to enough to let me get one of the other books I needed. I'd already taken that sociology course so I didn't need any of them myself.
Other instances of book-copying included the manual for Civ I. The SCA friends who taught me how to play Civ I gave me copies of the game disks and let me borrow the manual. I knew I'd have to return the manual at some point so I took it to the photocopying place that I used to do the newsletters I was editing and publishing at the time (one for the Shire and another for the Star Trek Society). It took time, but I got that entire manual copied, and returned it to the owners. One of them looked at me, flabbergasted, and asked how I'd managed to copy an entire book without the staff stopping me. I told her that I'd gone to a machine off in a corner and just got on with it - and since the price is per page, I doubt they'd care about it much. They might have noticed if I'd gone in with a whole stack of books at once and did all of them, but one gaming manual? Nope.
And then there's the case of craft books. When you get a group of crafters together, do you make everyone buy a copy of the pattern books you're going to use, or do you save them money by photocopying the specific patterns and distributing them for free (or maybe just enough to cover the photocopying amount)?
As someone who owns a HUGE amount of pattern books, I'm all for saving money. But as a
creator of original patterns, this is why I never submitted any of them for possible publication. As mentioned previously, a dedicated and determined crafter could take one of my physical items and reverse-engineer it to come up with a pattern. It would mean painstakingly counting every single stitch to come up with the size and shape of the canvas, making careful notes about which colors and shades of yarn and floss I'd used, and then try to make a pattern (you can make patterns with computer software now, but I still prefer the old method of graph paper and pencil). And even then you'd probably never be able to re-create it perfectly because of the techniques I use to cut the canvas that most people don't use, sew it together (not one of my projects has ever used glue unless it was a bookmark or magnet), and the finishing techniques that I've never seen anyone but myself use.
When you consider how easy it is now to share patterns, actually publishing them is like giving them away. Some people do downloadable patterns on Etsy or other sites, where you buy the right to download the pattern and print it yourself. I don't understand how they make that profitable, since the price to download one pattern is more than the price of a whole book of patterns. That said, I have paid to download patterns, but from an actual craft company, and only when they're having a sale.