There are social and religious experts much more qualified than me to address your question.

However, I've heard stories from social experts that indicate it is ethical to conduct crime, organized or otherwise, because the consequences are defined. In your scenario, though, stealing's punishment is jail and repayment of the amount stolen. So, the trade off is a bit different.

That's not my position on the matter, but it's thought provoking.

Morality on the other hand...