To default on a debt is not theft; it is an unfortunate circumstance. My creditor does not accuse me of theft or of anything else. Why do you accuse me of something dishonestly?
Seems your tooth fairy has different morals than the rest of us....
I view that as theft, and so do the others that have left you negative feedback.
I view your breach of contract as theft, so do I get to say that you have weak morals and that you willingly break the golden rule?