No harm done if you don't get caught what does it really cost?

If there’s repressed guilt or regret does it really get swept under the carpet or does it manifest in lowered immune systems, eating disorders, depressions, substance abuse, etc?

Examples (hypothetical):
_A few times I’ve paid less than amount due on a bill in order to eat out. I didn’t tell the rest of the household what I’d done- I had a migraine later.

I still text an old bf/gf behind my SO’s back, it’s not really serious but I keep doing it. I drink/smoke more during these times.