If someone emails you on an identifiable account, asking you to commit a felony, you should always say no, regardless of financial state. If you're going to do illegal stuff for a living, you should, at a minimum, have another identity.

It is funny how many people will email you though. I wrote a tiny, babycakes cracking tutorial, just to demonstrate how reversing most "protection" that average devs do is pretty easy. Even years later, I get emails from people begging me to crack stuff for them. I always tell them off. But sometimes they're persistent and come up with stories as to why they really need help and here's the DLL.