This person first thought to any question is to react that the other person wants something from them. An example. If you ask them if they want to go to the store that person would say I'm not paying for anything. Or if if you want them to hang out they say do I look like an ATM you are always trying to get me to spend money! Or they would answer you just don't want to spend your money on gas. They don't give you a chance to finish your thoughts or intentions they just group you in a category.
Learn English – what do you call a person who always thinks they are being used
single-word-requests
Best Answer
I think the best way to refer to them (politely) is guarded. (Cautious, reserved, suspicious - from various dictionaries.)