Hypothetically speaking of course:
Haven't bought any equipment, $$$ is really tight, but been doing some reading in-between on down time; planning on knowing how to do it, how it works, broadcasting, etc, etc...
When the SHTF, made that point a long time ago, no-one is chasing me down to give me a ticket or fine...
Do people think it's wrong to have the equipment, ready to use it & etc?

If you get licensed, don't someone somewhere have you on a list?? (FCC, City, County, etc.)
Well Yes Fred, the FCC would have you on a list, but that is your station location, as in base, if you so choose to get licensed for transmitting.
However that does not put a GPS tracking system on you so if you are on the move in a SHTF situation with your mobile/portable equipment, the list doesn't do them any good.
It is not wrong to have the equipment ready to use, but would be better to actually use it, as JaxShooter stated, for receive. Might get a good idea of what is going on in different places which could be early warning benefit. After all, you certainly won't get that info off NBC...
And that way once on the move with portables, you already know where to tune for what info and at what times, and are versed in the equipment.
The $$$ is understandable same situation here, but I expect that will only get worse here out. Flea markets, ham fests, the ham operator's window down the street, yard/garage sales, etc... good possibilities to get equipment at low prices. and usually well worth the expense.
Shining Wolf