Delinquent...

Got a letter today from a collections agency. They're after me for some overdue library books. I got the notice a while ago but didn't want to pay since they said they'd reverse the charge on the books if I returned the books. And I kept meaning to return the books but didn't get around to it.

How wrong is it that I ruin a near-perfect credit rating by hijacking three books on bed-wetting? I mean, if you're going to go down in flames, shouldn't it at least be over something more fun?