Don't understand the bank thing, wouldn't let themake me do any leg work.
But with the wallet it has to be 4, even if you're poor.
The money isn't worth the bad conscience, it eventually enters your nightmares and changes you're character. Better to be able to hold you're head high.
That's what Dostoyevsky's crime and punishment is essentially about.

You find a wallet on a street in Phnom Penh. You take it to the police. You have a clear conscience, no nightmares and your good character stays intact. You can walk away with your head held high. You can make a psychological analysis of the poor guy who lost it and know he will be certain to be reunited with it. You can then play with the theory that you are an extraordinary person able to take on the spiritual responsibility of using virtuous means to achieve humanitarian ends (a bit sort of Dostoyevskyish).

They made a movie called " Runaway Millionaire " in New Zealand . Based on bank mistakingly putting 10 million dollars into a customer's a/c. True story. Happened in Rotorua.