Re: Is there a lawyer in the house?
The situation is more like this: You tell your wife you're popping out for milk, but meanwhile you pop down a back ally where a masked man freely gives you a penguin fury porn DVD. You know you should probably pay, but it's already free everywhere else (Pornhub etc), and you just wanna see the HD version.
Meanwhile, the masked man actually owns the penguin fury porn. He then calls the authorities who sniff around and hear you m*sturbating to the penguin fury porn (who needs privacy?), and you get a letter either to pay up for "illegally obtaining said porn" or to go to court.
Given you don't want your wife, or community, to know - you just pay the $3k rather than reveal your penguin fury porn fetish.