You shouldn't use a service you haven't paid for.
Kayla gets a movie subscription password and username from her friend and has enjoyed using it illicitly.
Kayla knows her luck may run out and wants to decide whether to get her own membership or push or luck.
Kayla sets up her own account.
Kayla continues using the subscription illegally.
She pays a little but feels secure with her own membership.
The company finds out and the account is banned.