In real life, someone like Potter might get away with stealing all of that money, and someone like that does not care what the consequences are for an innocent person. Contrast that with the people who sacrifice to help George. In a cosmic justice scenario Potter would have been found out and the money would be recovered and nothing is really lost. But life isn’t always that easy and satisfying. Instead, the money really is lost but the good townspeople pay a debt they don’t really owe in order to help George.
I agree...you said it better than I did!