You're right, it is perfectly fine to be unethical as long as it doesn't lead to someone being unable to eat. Right and wrong is based on how much damage it does to the other person, not on the action itself, huh?
This isn't a GRAY AREA... read the letter from Steve Jobs:
"Therefore, we have decided to offer every iPhone customer who purchased an iPhone from either Apple or AT&T, and who is not receiving a rebate or any other consideration, a $100 store credit towards the purchase of any product at an Apple Retail Store or the Apple Online Store."
That means, you aren't eligible. Anyway, you should run along and pirate some music and movies, because it won't lead to anyone eating government cheese.