the dwarves' apparent lack of courage when they all, except for Balin, refuse to accompany Bilbo into the secret passage?
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The narrator explains;
"....dwarves are not heroes, but calculating folk with a great idea of the value of money; some are tricky and treacherous and pretty bad lots; some are not, but are decent enough people like Thorin and Company, if you don't expect too much."
The Hobbit/ Chapter 12