As a utility maximization agent, based on what you just wrote, you should.

Only if your utility function gives negligible weight to her welfare. Having a utility function is not at all the same thing as being wholly selfish.

(Also, your scenario is unrealistic; you couldn't really be sure of not getting caught. If you're very rich, the probability of getting caught doesn't have to be very large to make this an expected loss even from a purely selfish point of view.)