Exactly, I'm all for acting morally and sticking to the spirit of an agreement even if I can screw my counterpart by abusing some loophole, but only as long as I feel my counterpart will do me the same courtesy.  If I feel my bank is out to screw me and won't give me a break, then I'll have much less problem screwing them right back.  If on the other hand I feel that my bank has treated me fairly in the past, and given me a break when they technically didn't have to, then I'd be far more willing to do the moral thing.