What is Bilbo's response when Dain, son of Nain, offers him the treasure? What does that say about Bilbo?

Bilbo refuses the treasure and is relieved to give it up. He tells Dain that it was more of a worry to think of how he'd carry it home.....

He takes two small chests, and says "that will be quite as much as I can manage."

Bilbo is a gentleman, and he is not a greedy man.