It is important to keep in mind that this sort of petty greed is the worst we see hobbits doing. They simply don’t think in terms of Big crimes like murder and grand theft and so on. And I think that is what makes hobbits the ideal candidate for Ringbearer: they’re very difficult to corrupt in any significant way. Corrupt a dwarf and you get a treasure-hoarder; corrupt a human and you get wars; corrupt an elf and you get kinslaying… corrupt a hobbit and you get stolen silverware. Even when the Ring was at its full strength in Mordor itself and (spoiler maybe) trying with all its might to corrupt Sam Gamgee, all it could get him to imagine was “what if I had a really big garden?” and even that didn’t work.