The Disagreement- Bard's raesons for deserving treasure:
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From the text:
Thorin answered. "To the treasure of my people no man has a claim, because Smaug who stole it from us also robbed him of life or home. The treasure was not his that his evil deeds should be amended with a share of it. The price of the goods and the assistance that we received of the Lake-men we will fairly pay-in due time. But nothing will we give, not even a loaf's worth, under threat of force. While an armed host lies before our doors, we look on you as foes and thieves.