Why Wealthy Shoppers Steal Most at Self-Checkout

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Dec 23, 2025

Ever wondered who’s most likely to skip scanning an item at self-checkout? You might think it’s people struggling financially—but a new report shows it’s actually those earning six figures. Twice as likely, in fact. What drives this behavior in the wealthy, and does it reveal something deeper about money and morals?...

Financial market analysis from 23/12/2025. Market conditions may have changed since publication.

Have you ever stood at a self-checkout machine, scanning your groceries, and wondered if the person next to you is playing it completely straight? I know I have. There’s something oddly tempting about those unmanned stations—no judgmental cashier staring you down, just a beep and a bag. But here’s the kicker: it turns out the folks most likely to give in to that temptation aren’t the ones pinching pennies to make ends meet. No, they’re the ones who could easily afford the full bill without blinking.

A recent survey dug into this curious behavior, and the findings flipped a lot of assumptions on their head. People pulling in more than $100,000 a year are far more prone to “accidentally” forgetting to scan an item than those earning less. It’s not even close. This isn’t just a minor blip; it raises some uncomfortable questions about how wealth shapes our sense of right and wrong.

The Surprising Truth About Self-Checkout Theft

Let’s break it down with the numbers, because they tell a story that’s hard to ignore. Around 40% of high earners admitted to deliberately skipping an item at some point. Compare that to just 17% among those making under $30,000. That’s more than double. Middle-income folks fall somewhere in between, but still closer to the higher end than you’d expect.

In my view, this challenges the old narrative that theft is driven purely by need. We’ve all heard stories of desperate people shoplifting essentials, and sure, that happens. But when the perpetrators are driving luxury SUVs and living in upscale neighborhoods? That shifts the conversation entirely. Perhaps the most interesting aspect is how entitlement might play a bigger role than desperation ever could.

Who’s Really Doing It: Demographics and Patterns

Gender plays a part too. Men are significantly more likely to admit to this than women—38% versus 16%. Why the gap? It’s tough to say definitively, but some suggest it ties into risk-taking tendencies or differing socialization around rules. Women might feel more observed or simply more inclined to follow the process.

Age and location probably factor in as well, though the data points more broadly to income as the strongest predictor. Urban areas with big-box retailers and plenty of self-checkout lanes seem to be ground zero. Think bustling supermarkets where everyone’s in a hurry, scanning and bagging on autopilot.

  • High earners ($100K+): 40% admit deliberate theft
  • Middle income ($50K–$99K): Around 27% confess
  • Low income (under $30K): Only 17% report the same
  • Men overall: 38% likelihood
  • Women overall: 16% likelihood

Seeing it laid out like that makes it pretty stark, doesn’t it? These aren’t isolated incidents; they’re patterns that repeat across thousands of respondents.

Why Don’t They Feel Guilty? The Rationalizations

One of the more eye-opening parts of the research is how people justify it to themselves. Almost a third of those who steal say it’s no big deal because massive retailers rake in billions anyway. “They won’t miss a few dollars,” goes the thinking. It’s a classic case of diffusing responsibility—the corporation is the real villain, so taking a little back feels fair.

Another common excuse? Shoppers see themselves as doing unpaid labor. Scanning, bagging, troubleshooting error messages—why not get a small “tip” in the form of an unscanned avocado or bottle of craft beer? About 35% lean on this idea of compensation for their effort.

Big companies make enough profit without my twenty bucks.

– Common sentiment among self-checkout thieves

Then there’s inflation, which a whopping 47% blame for pushing people toward these small acts. Prices climbing faster than wages (even for high earners) creates a sense of grievance. It’s not that they can’t afford it; it’s that they resent having to pay so much more than before.

I’ve found that these rationalizations often stack up. Someone might start with the “corporations are greedy” mindset, layer on the “I’m doing the work” angle, and top it off with “everything costs too much these days.” Suddenly, skipping a scan doesn’t feel like theft—it feels like balancing the scales.

Technology vs. Human Nature: Can Stores Stop It?

Retailers aren’t sitting idle. Self-checkout systems now come loaded with AI cameras that track hand movements, weight sensors that flag missing items, and random audits that require employee approval. Yet theft continues to rise. Why? Because no tech is foolproof when faced with determined (or simply opportunistic) people.

Some stores have gone back to more staffed lanes, admitting the experiment has costs beyond the obvious. Others double down on surveillance, creating an atmosphere that feels more like airport security than grocery shopping. But if the wealthiest customers are the main culprits, will heavier monitoring really deter them? They have the resources to shrug off consequences if caught.

It’s a tricky balance. Make the process too strict, and you frustrate honest shoppers who just want to get in and out quickly. Leave it too lax, and losses mount. In the end, technology can only do so much; the real issue sits in that gray area of personal ethics.

What Does Wealth Do to Our Moral Compass?

This phenomenon touches on bigger questions psychology has wrestled with for years. Does having more money erode empathy or heighten entitlement? Studies over the decades suggest that higher socioeconomic status can correlate with reduced compassion in certain scenarios. Wealth provides buffers—legal help, social connections, financial cushions—that make rule-breaking feel lower-risk.

Think about it: if you’re used to premium treatment everywhere, waiting for approval on a $5 item might feel insulting. Or perhaps success reinforces a worldview where bending rules is just smart optimization. “Everyone does it at my level,” some might think, whether that’s true or not.

Of course, not all wealthy people steal—far from it. The majority play by the rules. But the disproportionate rate among high earners suggests something systemic at play. Maybe it’s the isolation that comes with affluence, or the constant messaging that you’re exceptional and deserve exceptions.

In my experience observing human behavior (and yes, reflecting on my own biases), money doesn’t necessarily corrupt outright. But it can insulate us from consequences long enough for small moral compromises to feel harmless. Over time, those add up.

Inflation’s Role: Feeling the Pinch at Every Level

Even six-figure households aren’t immune to rising costs. Groceries, gas, housing—everything’s up substantially in recent years. That 47% who point to inflation aren’t entirely wrong; sticker shock is real. But using it as justification for theft highlights a deeper entitlement: “I shouldn’t have to feel this squeeze.”

Lower-income shoppers, facing the same (or worse) price hikes, show far more restraint. Perhaps necessity breeds discipline, or pride prevents crossing that line. Whatever the reason, it underscores that financial pressure alone doesn’t explain the behavior.

Income Bracket% Admitting TheftPrimary Justification
Under $30K17%Need (less commonly admitted)
$50K–$99K27%Mix of resentment and convenience
Over $100K40%Corporate profits too high / self-compensation

Tables like this make the disparities jump out. It’s not subtle.

Broader Implications for Society and Retail

If self-checkout theft keeps climbing, especially among affluent customers, stores may rethink the whole model. Some already limit items per transaction or require ID for certain purchases. Others might scrap the lanes entirely, bringing back more jobs but also longer waits.

On a societal level, it chips away at trust. When enough people game the system, prices rise for everyone to cover “shrinkage.” Ironically, the wealthy thieves end up paying more indirectly—though they can absorb it better than most.

There’s also the example we set. Kids watching parents skip a scan learn that rules are flexible if you’re clever enough. Over generations, that normalizes ethical shortcuts in other areas—taxes, business dealings, you name it.

Perhaps the real takeaway is humility. No matter our income, we’re all capable of rationalizing bad choices. Recognizing that might be the first step toward keeping those small temptations in check next time we’re facing the beep of the scanner.


At the end of the day, this isn’t just about a forgotten barcode or an unscanned bunch of bananas. It’s a window into how money, power, and morality intersect in everyday life. The data is clear: wealth doesn’t automatically buy better ethics. If anything, it sometimes provides cover for worse ones.

Next time you’re at the store, maybe take a second to scan everything properly. Not because someone’s watching—but because it’s the right thing, regardless of what’s in your bank account.

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