He'll never make as much off of us as he would have off of keeping the money. I guess I just don't understand his thought processes. It's not like the bank care

He'll never make as much off of us as he would have off of keeping the money. I guess I just don't understand his thought processes. It's not like the bank cares that he gave the money back, maybe the manager would have thought about it for a day or so, but they would've written it off or collected it from the spam company. He created a losing situation for himself. I guess my question is, why would he rather have our money than the bank's? Maybe I just have a different set of morals/ethics.