It's unethical and very common. To me, it's the same as a thief waiting at a bank door for someone who's gone to make a cash withdrawal, only without the violence involved. Perhaps we should accept what another user said; it's part of the game in this virtual, anonymous world.
Except that the someone making a cash withdrawal did it with a mask over their head and an AK47, if you know what I mean. There's absolutely nothing that entitled them to get the funds in the first place. If spending vast amounts of effort and money just to recover back a third of it (because IQ was too low before even attempting) is some sort of justification of cashing in some reward which was never under your name to begin with, let me bring you
back to the real world: nobody will give a shit about personal dramas caused by stupidity.