There's the ask first school of thought and the "I'll deal with it when I have to" school of thought.
The ask first school cares if the answer is yes or no, but is prepared to live with it.
The just do it school avoids the risk, or even the waste of time of asking. They see an opportunity to make a buck and take it.
What the just do it school doesn't avoid is the legal school of thought that sometimes says "we have to make an example of X". That school of thought often targets those who didn't ask.
The just do it school figures the odds of them getting sued are low, and even if they get sued the claimaint won't be able to collect from them since they'll hide all their assets.
One of the biggest downside of the just do it school is the allure of easy money: Once you discover one way to exploit x-y-or-z to make an easy buck you may find yourself looking for other ways. Then it gets easier to fall into the opportunity to profit from suckers and dupes, and onward and outward. The members of the school just keep doing it in different realms and different ways until, eventually, it's their lucky day and someone - a prosecutor, a well connected person, etc. says "you don't do that to me and get away with it".
Diehards, however, will never stop and will often end up doing rounds in jail, on the run, through bankruptcy, divorce court, etc. It's a lifestyle choice.
Choose your path according to how you wish to live your life. Risks assumed are quite often risks realized. Once down a certain path the return is never quite so easy.
You asked, didn't you? Maybe that means you're not a realistic candidate for the just do it school.