In a lot of cases the analogy should be "you wouldn't even notice if someone stole cash out of your 3rd wallet which you leave on a table in a random place and didn't use for a long time because your first two wallets are enough."
> I bet you'd see something wrong if I went into your wallet and took some cash, after all you're not using it right now
Sure, but that doesn't demonstrate inconsistency, that only demonstrates that different things are different and we can feel differently about them. The interesting response would not be the implied accusation of hypocrisy in the way you posed your question but rather simply "Why do you feel differently about this scenario?".