I understand it is a breach of terms of service but as a customer, why should you care? It is not like it is breaching the law. And small businesses live on a much smaller margin than banks.
The business REALLY should care as all of their transactions are at risk of being voided, and the money returned to the customers if they're found to be violating the terms of service.
I somewhat care because it seems like a bit prone to tax fraud. Not sure if it is easy for the Danish tax agencies to spot this kind of transaction and enforce tax collection though.