So I feel sort of justified in accidentally throwing the money away. But I also feel guilty for not checking thoroughly. But justified because it's really a bit much to expect me to check through all her rubbish on the off chance. And guilty because she's feeling broke at the moment. And justified because her room is a tip, and the bathroom is a tip and she never clears up after herself. And guilty...and justified...and guilty...
My dilemma - should I replace the money?
I don't know what to do. But I know it would make a good minor dilemma for a character. (Minor because it is very domestic and, hey, it's only money we're talking about, not life or death.) A good character dilemma is one where both sides are equally attractive or unpleasant, there are pluses and minuses for each side. If I'm tough now and don't replace the money, then maybe she'll start being more careful with her possessions. But it was my fault, even if I didn't do it on purpose. I don't know what the right thing to do is, and if I were writing this scene, I'd go through the options as I have done here. Hopefully, readers would also find the choice a difficult one to make. Then the character would make their choice and the novel would play out the consequences, good or bad.
Good dilemmas make for good books. Sophie's Choice by William Styron comes to mind, with its heart-rending central dilemma. We can talk about them, debate them, have arguments about a good dilemma. Meanwhile, back at home, I'm still dithering which is not an attractive character trait. Dilemmas, dilemmas. What would you do?