Moral question - how would feel if a homeless person decided to move in with you - after they have place to live. Or if someone who was hungry and unemployed/broke came into your home and took food. Or if someone who was broke took $ out of bank account or you pocket. Not too happy I'll bet. In a way you are doing this to Abode.
This isn't the same thing at all. Not paying a licensing fee for a digital copy of a work is not the moral equivalent of taking money out of someone's account or pocket or stealing a physical item. And while I have not yet licensed PS, I am a paying customer for Lightroom 4 and 5. I make no money for my photography at this time and use PS very little, so to put my situation in terms of your example, I am the roommate who pays rent, but bums some of your food. The real problem with Adobe's pricing in general is that it doesn't work well or at all for hobbyists. They could remedy this in CC better than they ever could before with a real pay-as-you-go plan. They could charge $3-4/hour with a maximum monthly charge of the normal subscription rate.
This just shows that you can rationalize just about anything if you try hard enough.
I've been an early and consistent critic of the CC system, but let's not rationalize away stealing.
I'm sure there are plenty of wedding and portrait photographers who would disagree with the premise that it's okay to take a digital copy of their work and not pay for it. No difference between stealing a company's software than stealing another photographer's pictures.
But, it's okay, because you paid for another product from the same person? Hey, I bought a portrait from you last year, so I should be able to steal these wedding pictures, right?
And, it's okay because you don't make money from photography and only use the product on occasion? Hey Canon, I don't make any money from photography, so it's okay if I steal this 1D-X, especially because I'm only going to use it occasionally.
If you want to steal things, at least be honest about it.
I hate the Adobe CC model. It's a one-size-fits-all solution in an era in which customers are demanding flexibility and customized pricing models. Adobe is swimming upstream against the current with their experiment and there are already signs that it isn't working for them.
You are correct in that one huge problem with Adobe's pricing models is that it doesn't accommodate the "enthusiast" market. Rather ironic, since Canon, Nikon, etc., have all found that to be their most lucrative market. It's a terrible strategy on their part and I think they will regret the decision.
But please, it's frankly too ironic for words for any digital photographer to defend stealing electronic data. What do you think pictures are made up of today?