Francis Goodman, a.k.a. The Cosmopolitan Timeline and Summary

Halfway through the the novel, Frank shows up and eavesdrops on Pitch's conversation with the man from the Philosophical Intelligence Office. He starts a conversation with Pitch about misanthropy. They agree to disagree.
Charlie eavesdrops on the conversation and starts talking to Frank once Pitch leaves. They talk for a long time about backwoodsmen and misanthropy.
Frank asks Charlie for money. Charlie bugs out. Frank seems to cast a coin spell that resets Charlie, and they continue talking pleasantly.
Charlie leaves, and Mark Winsome sits in his place and badmouths him. Frank's not into that, but the two nevertheless have a tangled conversation about charity.
Winsome swaps Egbert into the conversation. Frank and Egbert have a hypothetical exchange about lending money to a friend.
Frank bristles at Egbert and storms off.
Frank greets the barber with a blessing and finagles a free shave.
Finally, Frank descends into the sleeping cabins, reads the Bible with an old man, and guides the old man to the old man's room in the dark.