The correct response is: to portray Tom in a more favorable or positive way.
The author uses euphemism to soften the critique of Tom’s qualities, such as calling him "a bit style-challenged" and saying his "humor leaves a lot to be desired." These phrases downplay his flaws and provide a more positive spin on his character, suggesting that despite his shortcomings, he is still a decent person who might return lost money. This technique frames Tom in a more favorable light, making him appear more likable overall.