The protagonist in "How to Treat a Lady" by Karen Hawkins is deeply troubled by the financial struggles of those around him, despite his own wealth. His affluence does not bring him peace or happiness, as the disparity between his life and that of his less fortunate companion creates a constant sense of discomfort. He is haunted by this awareness, which affects his overall well-being.

This situation highlights how sometimes, wealth can feel burdensome when one is acutely aware of and empathetic towards the hardships faced by others. The protagonist's emotional turmoil stems not from personal financial insecurity, but from the pain of witnessing the struggles of a companion who lacks the same comforts he enjoys. This dynamic portrays a deeper commentary on social responsibility and the emotional implications of wealth.