He agrees because he shares the desire to avoid seizing an opportunity unless the risk is minimal. It is not an indication of cowardice, but of a Warren Buffet mindset. The "easy way out" would be to invest in an unfamiliar and unanalyzed stock while it is rising -- only to crash a day later. Call me conservative if you want, but I don't believe in the average person's path to success for a reason. And I doubt FDG believes in it, or he would've said "to hell with morality" and gone after for her without asking for advice -- like a stereotypical ESTp

Even if he's been acting aloof, she should take the time to understand where he's coming from. If the girl can't maintain interest for long enough to wait until he can trust her, then she doesn't know the meaning of commitment, isn't worth it, and can go fuck herself.