Pretty sure that owning a TV capable of receiving terrestrial TV is the requirement for paying the license, not actually watching it.
Nope, completely wrong I’m afraid. It’s nothing to do with owning any equipment, you have to actually receive the signal.
so morally speaking they are still free-loading (to me anyway).
It’s not a moral question when one party is hanging a legal club over your head. Morally I might be happy to watch some ITV, for example, without forking out for a licence, but legally I can’t.