This moral crisis has to do with the fact that he is stealing Miss Watson’s slave. After all, he reasons, Miss Watson taught him books and religion and manners and all, and he’s repaying her by stealing her property.
In the midst of this crisis, Jim rambles on about what he’s going to do once he gets to a free state. He says he’ll save up his money until he has enough to go back south and buy his wife and his two children from the farms around Miss Watson’s. If that doesn’t work, he says, he’ll just steal them.
This bothers Huck even more, all this talk of "stealing" the "property" of his neighbors. When he spots lights at the shore and paddles out in the canoe, he’s dead set at turning Jim in again.But then, as Huck’s paddling away, Jim calls out to him about how he (Huck) has been such a good friend and how he’ll always be grateful.
This bothers Huck’s conscience as much as anything, and when he’s stopped by a raft several yards later, he can’t bring himself to turn in his friend.