Curious as to why I am a sad f****r?
Is it because (a) I have a memory? (b) because I can count or (c) because I point out your hypocrisy?
By not paying your debts off you have certainly broken certain civil laws. Am not sure if you have broken any criminal laws (though I suspect that you probably did not register on Voter's Role as lenders will often chase non-payers that way - and I believe that is a criminal offence)
If you are happy with your ethics, then that is fine. I just feel that you are not the right person to judge the person in this article.
After all - both of you have 'stolen' �40,000. Both of you knew what you were doing. One of you stole it from the government by filling it false information, the other stole it from companies and moved away and intend not to pay them back.
In my eyes, you are just as guilty as this woman.