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I'd say "ворует". Maybe it's only me but "ворует" sounds way better here
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I agree too. I think "крадёт" mostly requires an object that is being stolen.

Such expressions are not translated literally. When you say "tough" about "кожа" it's translated as "крепкая", "прочная" or "жесткая" but never as "трудная".
Yes, only it's "жизнь трудна"

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