I'm racking my brain, and I can't come up with a situation when I'd say this is ethically okay.

What if you found out that the same person also had a dormant bank account? For whatever reason, you have their password, you know the person has forgotten about the account, and there are a few bucks in there that the bank will eventually take in the way of fees if the money isn't withdrawn. Would you withdraw it for yourself and think that was okay?

Can I ask...were you once related to this person? Not that it changes anything...

Most of the ethical questions posted here are in the "gray area" where I see both sides. I can't see any other angle on this one...