AJane, I like your description. Charles just seems to be adrift. He takes no personal responsibility for any of his actions. Asking his former fellow employee why he was fired from the bank, and then denying that he'd stolen money was a morally reprehensible thing to do, especially since she got upset. He didn't care about her feelings. He picked a fight with Clarance and then called him the next day to borrow money, and only apologized because he thought he might get a "loan" (which he had no way of paying back) if he did.
He's a user. It's like he has no idea that his actions have any effect - he's out of touch with reality.