Not paying someone money that is due to them does not "harm" them - it's simply not benefiting them. It's an important distinction, ....
So if withholding the money that's owed is not harming them, an employer could just decide not to pay his employees? ...and then the man couldn't buy groceries for his family, couldn't pay the rent, would be kicked out of his home, would become homeless and on welfare,...
Oh, you say an employer is different? Okay, the judge tells you to pay child support in your divorce. You decide that your former wife wouldn't be harmed by you not paying, so ....you just refuse to pay her. It won't "harm" her, right?
Need another example? Or another one?
Sir, you have a very narrow view of the term "harm". I'd suggest that you take another hard look at it and perhaps do some research into legal cases concerning "harm".
If someone listens to songs or uses software that he pirated, he owes the artist or the developer money for it. If he does not pay the artist or developer, then he's "harmed" him.
Baron Max