Avram in MD – If it is muttar than it should not cause any more concern than if someone’s shirt got damaged by him tripping on a banana left on the street (assuming that is Bor and Kailim are Patur). We (as Yidden) follow Halacha, and while there is the concept of “morally responsible” (Chayiv B’dei Shomayim), if that doesn’t apply than you have no responsibility.
In your example I would argue that while the card allows one to avoid punishment, the Chiyuv mammon still exists.
If the response to that will be “because G-d said so” then I will question what the inherent value of listening to G-d is.
We have no idea, but trust that if He asked us to do so, it must serve a higher purpose.