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Downloading files illegally is directly stealing from authors, artists, or legal represenatives
Copyright is a legal protection for the expression of ideas as embodied in film, music, literature or other works of art. Illegally downloading files breaches copyright.
Even if artists are wealthy, it is still wrong to steal from them or break a contract with them even if they wont be much harmed as a result.
There is normally no overriding moral reason to illegally download music and other files.
Many consumers pay artists in other ways. Concert tickets, etc. Yet the foundation of artists career is based around their music sales. Top Charts, etc.
By illegally downloading you are breaching a contract with you and the record label. Not you and the artist. This shows you don't support the artist.