Do you think it’s ethical to exploit loopholes?

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At one time or another there will be loopholes in a system. People who are observant or sharp enough will be able to detect these loopholes and exploit it to their advantage. Just to give a simple example. Suppose that the government announce that all citizens from age 60 and below will get a $1000 shopping voucher each and those age 60 above will get a $2000 shopping voucher each. Of course, those age 60 will be “entitled” to 2 sets of vouchers. There is a loophole here. The announcement should have been those aged 60 and below will get a $1000 shopping voucher and those aged above 60 will get a $2000 shopping voucher. This may not be a good example as such loopholes are not usually made. But my point is this : Do you think that people who exploit these loopholes are unethical? Or do you think that they are “entitled”?