Honest and loyal people are rare to find nowadays. I must say your first and second encounters with the traders were good; they are God-fearing and humble people to have done such a thing for you. However, your bad encounter with that woman clearly shows that if you hadn't checked your account and realized the mistake in the transaction, she wouldn't have bothered to tell you. In life, we have to experience things in order to learn from them and ensure they don't happen again.
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That's just it, some people just have that honesty within them and it helps them do the right thing at all time which goes on to influence their business positively, while like the other lady it caj ruin business if one isn't careful.