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Apples and oranges.
We‘re talking about not giving someone the chance to recover what they worked for and outright theft of others belongings that are left with the expectation that they would be there when they returned.
They are the same question, so just answer the question. I'm guessing you would pocket the money, and that would make you a thief.
For all you know that 20 could have fallen from the pocket of a retired aging woman, going in to buy a birthday gift for her great grandchild. Not only would you have stolen from the woman but from the child too. Maybe the woman discovered the missing money and was on her way back to her car to look for the 20, and yet you ran off with it. No Morals.