But just because you don't have the cash flow to make it worthwhile to do the same thing the companies are doing, doesn't make what the companies are doing illegal.
Correct. It makes it unethical.
I don't see how this follows, unless the laws themselves are unethical, since the laws themselves encourage the behaviour.
See Kant's Categorical Imperative on this. If you posit a behavioral norm that you can not simultaneously advocate equally applying to -everyone else-, it is not a rational stance, ethically.
Actually, the categorical imperative, of the first formulation, deals with morals, rather than ethics.
Ethics originate in the self, and are independent of morality. Morals originate in the imposition by society of behavioral mores (hence "morality") upon the individual, and while not always, generally result in punitive action by society, and are thus social tenets through threat and coercion. In a religious society, this may be the threat of hell; in a civil society, this may be the thread of fines, incarceration, corporal punishment up to and including death, etc..
In other words, we are ethical because we are wired that way, and we are moral under threat, unless a given more happens to coincide with one of our ethics.
The two concepts are often confused by amateur philosophers, since we tend, in English, to use the term "professional ethics" for what are in fact a set of morals (e.g. failure to follow codes of conduct for a lawyer can result in disbarrment, etc. - professional ethics are always backed by threat of punishment for misbehavior),
The fact "they" are incapable for practical reasons of reproducing your behavior, does not create an ethical exemption.
Leaving aside whether it would be an ethical or moral exception (if the former, it should be codified into law, so that it becomes a social more as well)...
Interpreting the term "universal law" in this fashion - which I believe is not how Kant intended it to be interpreted - leads very quickly to a reductio ad absurdum of the type Phillip K. Dick wrote in his "handicapper" story:
By this same argument, your ability to reproduce should be subservient to the ability of those who are sterile to reproduce, and therefore, it would be unethical for you to reproduce, if you could not offer that same ability to everyone else.