On the #2 Metro bus, heading for downtown Seattle:
Guy gets on the bus, puts his fare in the box.
Driver: Holy cow, man, you just but a twenty dollar bill in there!
Guy: I know. It's all I had. It's okay. (The fare is $2.50, so he's overpaid by $17.50.)
Driver: It's not okay!
Guy: No, really, I don't mind.
Driver gets on the radio and has a long conversation with someone about what he should do. It seems to be a matter of paperwork.
Guy, meanwhile, is standing there uncomfortably, while the rest of us riders (maybe 10 of us) either scowl or smirk at him. Bus is going nowhere, and we're trying to get to work.
Driver finds a form. It's a lost-and-found form. He slowly fills it out, asking the guy for information. The rest of us on the bus learn that the $20-bill guy is named Ed. We also hear his last name, his phone number, and his home address.
Ed can now take some time out of his no-doubt busy day (I mean, the guy would rather lose $17.50 than screw around; he's a busy guy) and take this form to Metro Lost and Found to get his money. Is he going to do it? I think not!
Driver ceremoniously tells Ed that Metro aims to serve.
Ed slinks to a seat at the back of the bus. We are now about 10 minutes behind schedule. This is on a 20-minute ride.