I think we all have a variety of thoughts upon which we could put labels that imply judgement (good thoughts, bad thoughts, etc.), but I think our actions are what demonstrate our goodness. The ability to think the bad thought but engage in Right Action is implicit in the human struggle.
While thinking good thoughts might (energetically) attract good, it is not always possible to have only good thoughts, but I think we can demonstrate right action even by the words we choose to use to describe our thoughts. For example, I have a friend who is somewhat frustrated by being unable to sell her house. Although frustrated inside, she is very careful to word her experience in a positive (good) way. For example, with her words, she says things like, “when my house sells” rather than “if my house sells.” Her actions include looking at other houses, organizing and packing, etc. All things that would indicate to the “universe” that a move is impending.
I think your example of finding the money and “gut-checking” yourself to know the right action is part of the experience. For example, I typically would not steal, but when I read of people who have been held captive (think concentration camp) and who have no choice but to steal (e.g., food, medicine), what is “right” or “good” can change dramatically. The challenge then, is to correctly read the situation and assess “rightness” or “goodness” in the appropriate context.
This is the source of a great deal of human conflict. The daily newspaper is full of stories of those who say “stealing is wrong” and others who say, “but you have to understand the context in which I stole.”
The whole point of Courts is to give an opportunity to share the context and see if others agree that the act was “good” or “bad.” The purpose of the Law (civil, religious, etc.) is to help tell people what is deemed “good” or “bad” before they engage in right or wrong action. Sometimes, these Laws (think Taliban and Afghanistan and the plight of women) tell you how to avoid punishment for “wrong” action, but the Law itself can be flawed, so people make other choices just to survive (e.g., fleeing a place, stealing food, doing what is required to move things to a place where one can do what is good or just).