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Sqrl, ArtOfAngels, and Vamp: You guys have a lot to learn in life.

Honesty is more valuable than anything you can get in exchange for it. It's what built society and allows it to operate. Without it, there is chaos. Government, schools, business, personal relations, medical care...do you want people to be honest to you in these things? You have to live the principle yourself if you want or expect others to live it.

Sqrl: You're right. I don't believe you. I don't believe that you wouldn't have said "Uh, you've already given me my change, thank you." If the cashier hadn't given you back $40, I'm quite sure you would have said something.

Vamp: If you believe in Karma, you'd be more honest, knowing it would pay bigger dividends in the end.

ArtOfAngels: I don't understand, when did you find out that the bank denied the transaction? Was it at point of purchase and the cashier just ignored the fact that it had been denied?