Any time I want to break a rule, I run a cost/benefit analysis, if only in my head.
If I break the speed limit by 5 miles per hour, there's not much cost - even if "caught" I'm unlikely to even be pulled over - so I might decide the benefit is worth it.
If I break the speed limit by 50 miles per hour, there's a very high cost if I'm caught, there's a very high risk cost to myself and other humans (in many cases), so I will not do it.
If I break the rules of eBay, PayPal, and government and taxing agencies, the cost is potentially quite high in income loss, suspension of my account, hassle factor, criminal charges, jail time, fines, penalties, etc. Not worth it to me.
If I break Lego's rules and purchase things from them for resale, the benefit is worth the potential cost if I'm caught -- I really don't need a VIP account for our personal purchases, so the only penalty if I'm caught and booted from VIP is that I can no longer get discounts and freebies if I buy for resale from them (unless I want to further try to skirt around their rules, which I might very well - again, cost/benefit is likely worth it to me.)
Some might call it "fear", I call it "sense".