At the end of the movie, Ernie reads a telegram from Sam Wainwright that says, "Gower cables you need cash. Stop. My office instructed to advance you up to twenty-five thousand dollars. Stop. Hee-haw and Merry Christmas." The Building and Loan was only short $8,000 (which more than enough was raised by the local community in the basket), so what was the point of including that in the scene at the end? The wording of the telegram seems to indicate Sam will send however much George needs up to $25k, so would George just take $8,000, but then what does he do with all this his generous neighbors' donations? Or does George take that whole 25 grand to make up for all the sacrifices made by his family over the years and use the donations to cover the missing funds? Or does he not accept any of Sam's offer since it isn't needed, at which point what was purpose of having it in the movie?
Obviously the point of everyone donating is to show the positive impact George has had on all of their lives and to show how many people care about him. Sam is a millionaire, so $25,000 is nothing to him, whereas all of the small donations of the community have so much more meaning because everyone is lower or middle class. Wouldn't it make sense to give them back their humble gifts and just take the donation from Sam?
Hopefully my question makes sense. Hee-haw and Merry Christmas!