No, because keys for a car and keys for a wallet are wholly different, and even then, picking a lock (bruteforcing a keyspace) isn't comparable, because the value, intent, and purpose of a car is not in its properties of being able to be transferred, transmitted, and it's future value increasing (although that last one is true incidentally), but it is primarily used to get from A to B.

If you found a gift card with the PIN in the street, it would entitle you to a moral inhibition. If you went through a stack of discarded gift cards and found ones with change, you would be less morally wrong, but just as legally right.

Finding a debit card in the street with the PIN is akin to finding someone's wallet.dat file on their github. That is stealing, so no comparison.