In my way of thinking, I would want to reward someone who returned something precious to me. It wouldn't even accrue to me I was insulting someone by offering money. Some people, maybe the only grateful emotion they can have is offering money. Maybe the receiver was of that mindset. You have to remember, that phone not only held $$ value, but contacts, phone numbers that were worth more. Believe me, if I seen you as the one who ret urged my phone I would be seeing nothing but a great honest person and nothing more.