What is a quote from the book about Bilbo's actions that has an effect on others, and what does it show about personality?

I beg of you," said Bilbo stammering and standing on one foot, "to accept this gift!" and he brought out a necklace of silver and pearls that Dain had given him at their parting. Ch 18 (my copy)

Bilbo inspires a moral code that most characters respect. His gratitude is always displayed. Here Bilbo presents the Elven King with a valuable necklace because of the Elvin King's hospitality.