Two men face the same temptation and both have equal need.

The first man has reached a higher level of virtuosity to the second man, before the point where they are both badly in debt and faced with a situation where they can commit a "wrong" with no fear of detection to get money. The first man has had an upbringing in which the moral difference between right and wrong was drilled into him - he had to struggle when he was younger to absorb the lessons his parents taught him. Now, the fruits of the struggle are being reaped. The second man, despite being given little direction by his parents when he was a child is having to debate the dilemma internally with himself, and he still decides, after much internal struggle not to steal the money. He is learning the same lesson, only later and what is more he has taught it to himself. Therefor he has reached a level of virtuosity equal to, possibly higher than, the first man.

The last one :-)

Both I think. But I do get to admire that one who really get to resist the temptation. It must have taken so much out of himself to really not steal.

Some people may suggest the second on plea that we should take up the challenge and risk, if we need to thrive. But I think the first person's stand is more virtuous, because it prevent any further deterioration to his totally vulnarable possition.