Its this kind of thinking that is outright wrong.  You are not entitled to someone else's work!  Even if you have the skills to circumvent their pay scheme.  It is just plain wrong and immoral.  Do you think people are entitled to a carpenters work? A plumbers?  Most people don't have those skills either?  This type of mind set is whats going wrong in the world.  The amount of money someone is making has NOTHING to do with you.  You have the freedom to NOT use his product.  You do NOT have the right to use his product without compensating him in the way he requires for his work.  No matter how much he wants to charge.  If you don't think the product is worth the 2% fee then don't use it.  There are many alternatives as people have pointed out.  Its ridiculous for people to justify their wrong doing with "well he makes enough so I can steal his shit".