Refusal of the Call

The book I am currently reading is The Hobbit by J.R.R Tolkien. It is about the adventure of a hobbit in land called Middle Earth.
The refusal of the call occurs very early in the story when a party of dwarves and a wizard enter the hobbit's little home without any invitation. Bilbo (the main character) initially refuses the call to adventure that is shown in the quote below.
"We don't want any adventures here..." (3) J.R.R. Tolkien
This is said when Gandalf indirectly asks Bilbo to accompany him in an adventure. The rest of the paragraph describes the nature of Bilbo's race called a hobbit.
This refusal of the call was never refused or accepted.
"To the end of his days Bilbo could never remember how he found himself outside, without a hat, walking-stick or say money, or anything..." (14) J.R.R Tolkien
This refusal to call is important because it revealed a lot of character traits in Bilbo and the dwarves. The showed that Bilbo was just a normal hobbit in a pretty little town and how hobbits were never made for adventure. Without this refusal to call, there would have been no change in character was the story progressed because further in the story, Bilbo develops courage which created a story of its own.
The refusal to call created some suspense in the story because it made the readers think of whether if Bilbo was going to accept the adventure. It made the story less predictable and more exciting.
The refusal to call also sets up the character's ordinary world which was living without any negatives in life. It created a mood and atmosphere which contrasted with the rest of the story. This gave the story lots of color.
When Bilbo had to make a decision to accept the call to adventure, he hesitated and accepted the call without any thought. If he hadn't accept the call, the story would not be the same.