Zack Selby represents old-school, traditional sailors who distrust Nat’s modern, scientific method of navigation and sailing. Thus, he blamed Nat for Lem Harvey’s death and takes pleasure from Nat’s lost investment. In contrast, Nat cares about the men aboard far more than the money, in part because he trusts his “book sailing,” and in part because he has already learned that suffering and loss are unavoidable parts of life.