That is what I felt.

Besides, the uniform, for a man of my style, is unbecoming.

And the captain was a cad." "Humph! and what are you doing then?
Living on the old man again ?" "Never you mind, David Chalker," replied Joe with dignity; "I am not likely to trouble you any more after the last time I called upon you." "Well, Joe," said the other, without taking offense, "it is not my business to lend money without a security, and all you had to offer was your chance of what your grandfather might leave you--or might not." "And a very good security too, if he does justice to his relations." "Yes; but how did I know whether he was going to do justice?
Come, Joe, don't be shirty with an old friend." There was a cordiality in the solicitor's manner which boded well.

Joe was pretty certain that Mr.Chalker was not a man to cultivate friendship unless something was to be got out of it.

It is only the idle and careless who can waste time over unprofitable friendships.
With most men friendship means assisting in each other's little games, so that every man must become, on occasion, bonnet, confederate, and pal, for his friend, and may expect the same kindly office for himself.
If Chalker wished to keep up his old acquaintance with Joe Gallop, there must be some good reason.