How is the answer misplaced? It's saying that you don't need price collusion or racketeering or mens rea of any sort to informally converge on a position.
In that situation, the question being asked is "what would they have to do for you to accuse them of stealing?", and there's an implication/assertion that your definition of "stealing" is too narrow.
Replying with "this isn't stealing, it's borrowing" doesn't answer the question, and it's ignoring the implication/assertion.
And that's basically what martimarkov did. They didn't say a single word that addresses the implication that such a narrow anti-collusion rule is too weak.