Let's say that I'm the owner of a bank that serves one million middle-class people. Also, let's say that each year, I make myself a birthday gift - I steal exactly one cent from each client's account, so that I have $10,000 in total. Would this act be considered immoral? From one point of view, taking a cent from a person that has hundreds or thousands of dollars on his or her account is technically stealing, though I wouldn't call that act immoral. In the end, on the other hand, you're left with $10,000, which is a pretty good "spare change". What do you think?
EDIT: I'm expecting to see an answer like this: "there are N main ethical systems considered in philosophy: under the ethical system 1, it is moral, under the ethical system 2 it is immoral, etc".