The example that regularly occurs to me is - if the (privatised) rail company takes your money for a ticket, then cancels the train you were planning to get (something that happens _very_ frequently), at _best_ you can go through a very convoluted, time-consuming, process to try and claim a refund.
If you don't pay for a ticket, but take that train anyway, you are likely to face a fine and a criminal conviction, leading to a criminal record.
I'm tempted to go further - sometimes I think that 'morality' itself is a social construct, one dependent largely on the distribution of power. E.g. compare-and-contrast the opprobrium lumped on the unvaccinated (which, to be clear, I kind of agree with) and the relative lack of moral-judgements placed on those who choose to drive motorised (especially diesel) vehicles in populated areas.
Generally most moral judgements are hugely inflected with the nature of power. Things are more likely to be judged morally wrong when they adversely affect the powerful.