If returning the wallet (securing the server) is out of the question, throwing my wallet in the river could easily be preferable to leaving it loose. Of course if someone told me that in meatspace I wouldn't believe them... hm.

You should only intentionally kill their server if you're willing to compensate them for the revenue they lost while they try to figure out what the hell happened.

An alternate analogy would be something like: "I saw you forgot to install a lock on door, so I superglued it shut."