That doesn't track at all. I can't afford a Lamborghini so the need arises for access to stolen Lamborghinis for cheap? It's absolutely not a need, you can just go without or only access the free media that is available to you. In the car example, I can just buy an old Civic.

If it's stealing bread to feed your family that is one thing, because it's an actual need. If it's getting stuff because you want the more expensive version instead of the version you can afford, there's no need there.

The ethical argument is that there's no one harmed because you can't afford it anyway. It's not that you need it like a starving man's bread.