One of the main conflicts present in the chapter is the constant search on Holden's part for companionship or some kind of way to alleviate his loneliness. He tries to befriend the cab driver and basically fails, but he also isn't willing to take advantage of the offer of a seat next to D.B.'s former girlfriend, as of course the offer is "phony."
This of course leads to his encounter with the elevator man and his decision to order a prostitute. This of course leads to him also refusing her services and then refusing to pay her and further issues there. This is one more example of Holden being unable to act on his professed beliefs. He can't just tell the girl that he doesn't think they should have sex because they aren't in a relationship so he uses the excuse of a recent operation.