Two more words: ASSET PROTECTION
There are outfits of attorneys and CPAs that specialize in asset protection including making sure all is good with Uncle Sam and involves trusts set up in the person's home state. Homework is a must.
I'm not sure what is being asked. The only flaw is that the innkeeper started with "borrowed" (stolen) money to pay his debt. Had it not found its way back to him he would have had to pay the stranger from his own pocket or be charged with the theft. As it was the stolen money returned in time not to be noticed gone by the stranger. All else is moot.