I'm not sure it's just morality because I think he wanted to do it and if he could've done it and it been a secret I think he would've turned on Rachel. He was scared I think and especially scared of it backfiring. I think he was worried about how he'd be perceived if he did.They have no phones, they spend time in each other company all day, they are gonna become closer than normal.
It happens things like I’m a celebrity etc.
He may have spunked 50k, but maybe morality was more important to him in that moment
It's an odd situation because he's obviously thinking it isn't fair to take the money away from Rachel but he's got no problem doing it to the faithful so there is no morality in it really. It is just a game.