This article discusses some core issues in the character discourse on Xue Bao-chai: the episodes of the jia-huo ( 嫁禍,Xue’s transferring blame to Lin) event, the Jin-chuan (金釧兒) case, and the Iou San-jie ( 尤三姐) and Liou Xiang-lian ( 柳湘蓮) case. I also reinterpret the hidden meaning of the verse “even heartless is fascinating”( 任是無情也動人). Emphasizing that these segmented episodes should be put in a comprehensive and consistent context, I argue against a well-known view attributing Xue Bao-chai a negative character. I contend that she is rather a secular humanist, then discuss some reasons why the “pro Dai, contra Chai” attitude becomes dominant among the readers and interpreters of The Dream of the Red Chamber: Besides readers’ sympathy for the weak, a psychology of “mask-phobia” also plays an key role, wherein readers project their own experience into Ciao Xue-qin ( 曹雪芹)’s differing description techniques on Dai and Chai. On the whole, I contend that The Dream of the Red Chamber is too often treated implicitly as a monotonous narrative with a single value judgment, which supposedly represents the author’s aesthetic and emotional preferences. As a consequence, many criticisms about the characters of The Dream of the Red Chamber tend to be extreme and partial, especially the discourses about Xue. By contrast, I propose that the novel is a polyphonic narrative, where characters are objectively discovered, organically developed, and described with art. Wherein characters complement and contrast each other but there is not necessarily opposition between them, let alone the author’s approval or criticizing.