In the first question we talked about respect. I would like you to put yourself in Bilbo's shoes. You are a respected, wealthy hobbit and a Baggins. Your name alone speaks for itself. Fellow hobbits could predict what you might say to a particular question without hearing your answer. You never go on far away adventures because Bagginses do nothing of the such.

But one day you are greeted by a wizard and 13 dwarfs. They are in your tidy hobbit home eating and discussing dragons, gold, and death. What are you to do? Before too long they are calling you, Bilbo Baggins, a burglar. Do you take the challenge or do you stay nice and warm in your hobbit hole? If you decide to go, you will be disappointing your neighbors. Will the idea of adventure be worth the risk of losing respect?