By booking a non-refundable rate, which is generally cheaper, you took that risk. So long as the hotel is open, it's not really their problem. The fact that they have more money than you doesn't give you the right to steal from them.

If you really need the money for basic survival, fine, we can argue about the morality of it. But even with a possible recession looming, it's unlikely that the price of a hotel stay is going to be the difference between life and death for you.

It's unlikely you are in basic survival mode yet, unless you've already lost your job and are living paycheck to paycheck and there are no available government programs to help you right now and no friends or family to turn to.