When you start devising a plan to not pay back a debt (sceaming), a debt that you freely entered into, you are stealing. Your justifications are meaningless.
Your circumstances may limit your ability to pay, but that is a different matter. If you can truly only pay $10/month and the party is entitled to $50/month, then you are truly doing the best you can. But using a legal trick to pay nothing is stealing.
In the course of my life, I've had many people renege on debts to me, small and not so small. They all told themselves that they weren't able to pay me; however, I guarantee that they have all purchased items that they could have lived without since then, and never sent me a dime.
When I can't buy something for my children, I think of them, and I think of people who would take on a promise, and then steal by reneging on that promise.
Let us test your premise.
I catch on video a man entering my house and taking a bag of money I own which contains 1000 bucks. (I have a positive ID)
Law enforcement tells me there is nothing they can do because of some legal loophole.
So then I enter his home and take 1000 bucks. Am I guilty of stealing?