Here's why:
* The bet itself is the central conflict. The banker, driven by arrogance, bets he can outlast the lawyer's desire to be free.
* The lawyer's decision to leave is a turning point. The banker has to choose between upholding his word and preserving his wealth.
* The banker's internal struggle: He is torn between his pride and his understanding of the immense suffering the lawyer has endured.
* The banker's realization: He ultimately understands the bet was foolish and realizes that he has lost more than just money. He has lost his humanity and his soul.
This climax is not a moment of action, but rather a moment of intense internal conflict and realization. It marks the peak of tension and reveals the true cost of the bet.