I thought perhaps the writers had given a nod that it was unacceptable. The hint is in the quest title and subject matter of the quest, revolving around a crime.
The quest involves people leaving items in an open area under the gaze of the wood for all to see. The quest giver remarks how do you know a thief (read:criminal) when you see one.
The bandits in the quest are clearly organised in their activity and intend to steal in order to give to the poor. That is not "Disorganised". Raya-O-Senna remarks they are not reckless or wicked so as to commit grave sins against the Tweleveswood. The bandits in the quest got their come uppance for the criminal aspect of their activities however (they got their asses handed to them).
So who are the criminals the quest log is on about? And what was disorganised? Who is reckless and who is wicked?
The player finds Raya and I would say recklessly uses the Echo. This is the "disorganised" aspect. It may also be viewed as wicked as Raya did not consent and it is akin to rape. This would be the criminal aspect. It links to the quest giver who remarked how would you know a criminal when you see one - you can't, it could be anyone. It also links to the concept of leaving items under the gaze of the wood for all to see, as the "rape" is done in the open.
The writers cover up any Echo Loopholes by putting in the Journal summary for that quest that "The power of the Echo suddenly seizes you" so it looks like the player really has no option to use the echo.
However Raya does say she will not forget this intrusion, and so, we the player, have not had our come uppance... yet (but to complete the theme raised by this quest, it is crucial that the player has their come uppance eventually - it is crucial for two reasons, first it must mirror what happened to the bandits, second because we just effectively raped someone)
I would say therefore we the players do not have a moral choice to make, we cannot control the Echo, it happens by itself. However, that means we in turn are viewed as criminals, despicable and hated by those who dont walk the path of the twelve.
As an aside, Raya-O-Senna also says she has been led down a wrong path. While that doesnt seem to add to the subject at hand, it seems a coincidence the words wrong and path are used together, when we know of the distinct concepts of the echo and path of the twelve.