You're using the wrong line of thought on the analogy here.
The value of the wallet is not the cash you'd directly lose inside of it. The value is getting your ID and cards back without them being copied by someone else, along with any other identifying information.
The value of having and up front and easy to use bug bounty system is it's easier to use then selling it off to some blackhats (hopefully). Those blackhats may otherwise scrape all your s3 buckets or somehow otherwise run up a zillion dollars of charges over a holiday with your keys.
The value of the wallet is not the cash you'd directly lose inside of it. The value is getting your ID and cards back without them being copied by someone else, along with any other identifying information.
The value of having and up front and easy to use bug bounty system is it's easier to use then selling it off to some blackhats (hopefully). Those blackhats may otherwise scrape all your s3 buckets or somehow otherwise run up a zillion dollars of charges over a holiday with your keys.
Being cheap gets expensive.