Sometimes saying "Yes" or "No" is the difference between having a job the next day or being unemployed. It would be different if everyone was declining unethical development, but there is surely someone to replace you. 3 months without work can really crush people - especially those who have a family to support with no safety net.
This isn't always about role models and being upstanding citizens. A lot of us in this field are fortunate enough to be able to decline work based on ethical stances. Anyone can say no. Can they afford the consequences?