Not being able to see the face of the person who does the stupid thing also has a massive impact on how people think of the other drivers. Similar to how (most) people who would chew someone out over the phone will hesitate to do the same in person.
My phone support days had way more customers willing to be nasty than any of my retail jobs.
I did my searching based on music/CDs since the wording is a lot more clear, but the same rules apply since were still talking about copyright infringement.
As long you’re making the copy for personal use and aren’t selling/distributing, you are fully in the clear:
https://www.riaa.com/resources-learning/about-piracy/
As far as ethical, this is mostly up to you, but unless it’s from an independent artist/distributor, I personally see it as: if you were never going to be a customer to begin with, they’re not losing anything. I am, however, against reselling/distributing it yourself. Ymmv.