> But I still call it tax evasion colloquially, because I'm just an average Joe who can't prosecute anyone so my legal opinion doesn't matter. My judgement is not whether it's illegal, but whether it's immoral and scummy.

Do you contribute to a 401(k)? Deduct home mortgage interest from your taxes? If so, you've participated in legal tax avoidance, too! I don't think either of those are scummy.