[To his credit, he'll mull it over before he replies; he's definitely got thoughts on it, she's right about that, but - ]

How tempting it is depends on the sort of person we're talking about - namely, whether they're the sort of person that likes money and doesn't believe in magic.

Wishes are nice, but a lot of people would probably be at least a bit skeptical of them. Money is concrete. Useful to a lot of people. Something people have experience with and a need for. It's better to bank on something like that than something you don't know is even possible.