The story of Smaug sends Bilbo ducking for cover. Also, he is a Hobbit. Going on an adventure is against his nature. Being a Hobbit the Call is Refused even before Bilbo hears it.When the 12 dwarfs arrived at Bilbo’s house he refused the call because Hobbits that were respectable were seen to not go on adventures but Bilbo ended up giving into his lust for adventure to help the dwarfs.
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