Quote - Financial harm, by understanding, would come into play when calculating any damages due to the owner of the copyright. The fact that you weren't gaining, however, would not mean you were free to infringe - and if the copyright owner took legal action to stop your infringement, or simply issued a valid DMCA notice, and you ignored any court ruling or filed a false DMCA counter-notice you would be committing a crime.

Yes, I see. Thank you for clearing this up for me.  Very helpful.

D'oh! Why do things that happen to stupid people keep happening to me?