Why does Kipling include the conversation between Miss Florence and Turpin?

Turpin is a greedy tenant farmer who's trying to cheat the mysterious lady of the house out of some property. Although the lady is physically blind, Turpin is blinded by greed and also blind to the spirits of the children who haunt the house. Their brief conversation is important because it highlights the unbridgeable gap between the material world and the world of the spirits. Turpin has clearly never had children, else he would see the children's ghosts as the narrator does. There is an insuperable barrier between the living and the dead, and the spirits of the dead enjoy a kind of wisdom that the living do not. In his greed and dishonesty, Turpin exemplifies this lack of wisdom, this partial view of things which cannot comprehend the higher spiritual realities.