Especially, when you do something that hurts people, there are ways to rationalize it. "If I didn't do it, someone else would", "they'll get it back from insurance or something, it won't inconvenience them too much", or just plain trying not to think about them at all.

But none of those options really work for the kind of identity theft where you take up loans in someone else's name, try to extort them with private information etc. The people who do that know perfectly well what kind of Kafkaesque hellhole they're sending their victims into. About the only thing they can do to justify themselves to themselves, is pick a victim they already hate for some reason.