Everything has two ends, hasn't it?
You say that it would be wicked for the Captain to get himself killed, there being now so much money for him to live for, seeing that life is common as dirt while money is precious, rare and hard to come by.

It ain't the kings we admire, it's their crowns; it ain't the millionaires, it's their millions; but, after all, the millionaires don't take their millions with them, for Providence, that, like Nature, hates waste, knows that if they did they'd melt, so one man dead gives another bread, as the saying goes, or p'raps I should say gingerbread in such cases.
"Still, on the whole, sir, I admit you are right as to the sinfulness of wasting luck.

But now comes the other end.

I know this young lady what the Captain was engaged to, which he never would have been if he had taken my advice, since of all the fish-blooded little serpents that ever I set eyes on she's the serpentest, though pretty, I allow.

Solomon said in his haste that an honest woman he had not found, but if he had met the Honourable Miss--well, never mind her name--he'd have said it at his leisure, and gone on saying it.