"In your scenario you have person A gain $ from bank, and person B lose $ from bank. In my scenario, it is option A: don't download, Person A Gain $0, Person B lose $0, in option B: I download, Person A gain $65 book, person B lose $0" - Me
"Person B loses $65 in the latter case." - Huy
"No he doesn't he simply doesn't gain" - Me
Embodies the argument