Why in the everloving cosmic fuck did he not tell them? In a great many circumstances what he did is a crime. Nobody's coming after him on this but if this was me I would paper the everloving fuck out of what I did so there wasn't even a possibility that the owner of the account had any uncertainty as to what happened.

I don't know what happened with "the repos", is why I haven't offered an opinion about it. I have a professional interest in stories about people gaining unauthorized access to accounts. I assure you, the law doesn't weigh one party's transgression against the other the way you suggest it should.