I have a boat and I don't ask for or take money to fish, my philosophy being it doesn't cost me more to go fishing with a buddy then without a buddy. Yeah, they offer, but I usually turn it down, but sandwiches, soda, that is nice. My buddies have also spontaneously got me replacement gear when it was lost (cannonball or flashers, misc. tackle) and I have done the same for guys I know and fished with before I got a boat.