I find it the casinos responsibility to make sure the payouts are correct. It's their business. If I'm shorted, I will say something. That's my responsibility to make sure I'm paid correctly. If I'm overpaid, generally, I will not. Notice I did say generally. If a PB/dealer comes back to me and says I was overpaid, I don't question it and will accept their judgment. (Usually because I know they did make a mistake and One bet is surely not worth making a stink over in the long run)
The boss coming over and giving money back to a player (if he's under-paid) has happened in my experience [not as a player], but it is quite rare. Then again, it's not often that the boss comes over and says you've been over-paid and requests the money back. But it's true - I'd imagine the casino would have much less a reason or want to pay those whom have been underpaid.
"Everyone wants to be rich, but nobody wants to work for it." -Ryan Howard [The Office]
I have been given money by the pit boss. I was told that my Blackjack 15 minutes earlier did not get paid correctly and been given additional $200 or so. I hardly do that but the bet consists of black, green and red chips. Normally I correct dealer's mistakes on BJ payment not only on mine but anyone else' at the table. I just missed once and it got caught by the surveillance.
Zee brings up a very good point. Dealers may not get fired often for overpays, but they will be fired for repeat offences. I'm aware of a few stores where dealers are automatically suspended for overpays.
In local stores where you are known, just return mispays, provided dealer doesn't pay the price. I've commented to more than 1 critter that I would return if dealer wasn't disciplined. Management in. Some places is simply more humane than others.
Away from local stores, wouldn't worry about it much - it's simply not your job to monitor the dealer. I understand the ethics on both sides of the argument - in my view, the real justification are the shit rulings that go against you when dealer screws up. Simply even things out.
If I get a dealer error in my favor, I won't say anything and will go so far as to be focused on not telegraphing that anything is amiss, letting it go. There are a few amazing techniques for steering the dealer into payout errors also which, for obvious reasons we won't go into details here but I've seen them demonstrated first hand, let's put it that way.
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