The first thing we know about Bilbo (and Elrond and Beorn) is that they have homes. And one of the defining characteristics of Thorin and Gollum is that they do not have permanent homes (or else, they're separated from their places of origin). Having a home seems to give Bilbo a sense of security and moral stability that Thorin, even though he is a decent person, does not have. What's more, as we discuss in "Symbols, Imagery, Allegory," the most important treasures in The Hobbit also seem to represent different ideas of home.