Wow! I come back to this thread after a few days, and I see the Ayatollah flaming the Chinese for beating up demonstrators! Geez! Talk about moral hair-splitting! This has been better than the Comedy-Channel!
Seriously. Everything in our economy, including the Constitution, is -- or should be -- based on contracts -- contracts between people. If the manufacturer offers a warranty with RMA service, then the onus should be on the manufacturer to determine whether the product has been abused, and whether the warranty has been violated.
Then, the testing of returned products and the limitations on the testing of returned products would figure into the anticipated -- expected and statistical-proababilistic costs of a warranty/RMA program.
The manufacturer attempts to hold onto its customer-base by offering support -- and support-under-warranty. The manufacturer itself is attempting to make a profit. And the manufacturer sets the warranty-period and terms to minimize its cost and maximize customer loyalty. This -- in a market with a few "sellers" (manufacturers) and many buyers -- departing from the Adam Smith ideal.
The customer attempts to minimize his loss, no matter what he "did" for it to occur. If you broke it, you can still attempt to RMA it. Over-clocking -- by itself -- is not morally wrong, even though by so doing, you don't even know yourself whether the product was defective or impetuous over-clocking damaged it.
The onus is on the manufacturer to prove the "abuse." Everyone is attempting to minimize cost within the "contract," and a customer should not feel compelled to police himself according to the contract-terms. Quoting Denzel Washington in "Training Day" (perhaps an inappropriate character to use in an issue about morals, but reasonable nevertheless): "It isn't what you know; it's what you can prove." Or -- what the manufacturer can prove.
If the manufacturer defined the contract, then the manufacturer should police adherence to the terms of the contract. If you broke something and were dead-sure that your abuse killed it, you can "try" to RMA, or save yourself the time and trouble for just being stupid.
But please: don't tell me that a person acting in this "gray-area" in context of a warranty-contract is either passing on costs to other consumers, or belongs in the same league with Madoff, Abramoff, Lay, Fastow, Kozlowski or Randy Cunningham.
Those costs were already anticipated as the manufacturer drew up the warranty-terms, consulted with engineers about probabilistic expected costs, imperfect enforcement and detection through testing, and myriad other factors -- given the company's resources in "rational calculation." If the manufacturer didn't "plan" the warranty-program adequately, it's their fault.