Highly rejective schools aren’t going to go after an ED applicant who pulls out - because every ED applicant who does could just say ‘oops, actually we can’t afford this’. Colleges aren’t going to spend time and energy trying to prove…hey actually that family can!
They would also have to show damages and since they all point out over and over again how they could fill their class many times over without diluting quality - they can easily fill that spot.
Is it unethical to apply ED, get accepted and pull out for reasons other than financial? Yup. But applicants can do so.