I didn't "steal" your passwords, I just "copied" them. I don't know what you're getting so upset about, you still have your list of passwords, and the fact that my changing all your accounts' passwords rendered that list worthless did nothing to move it.
Stealing has a much looser definition than theft; notably, it can include ideas unlike theft. You deprived me of my accounts, but not of my now-obsolete passwords, therefore it's a theft of my accounts, but not theft of my now-obsolete passwords; I suppose you stole both. I'd be upset despite lack of password theft because I'd be the victim of your CFAA violation for example.
If someone steals my passwords and then does nothing with them, or just uses them for their private purposes, then there's no problem. The problems only occur if my passwords are used to take control of my accounts or identity, which would deprive me of my accounts or money etc. So your example actually reinforces that the relevant ethical distinction (the harm) is indeed in intending to deprive someone of something they possess/control