Not trying to be the moral police here, but ordering loaner phones for the sole purpose of getting a free VR to me seems like outright fraud. If you ordered a loaner phone and never intended or needed one to use, why get one? That program was put in place for people who did not have a backup phone and wanted to stop using their Note7. Not sure if Samsung has any safeguards in place to avoid things like this. You would think at least they would be able to verify if a phone was never activated. Otherwise, all anyone would need to do was grab information from the outside of any retail box.
I understand some people feel like they are entitled to some extra gift due to this whole fiasco and that's how they justify it in their minds. To me, it just seems like very shady.