How quick are you to call someone ”friend” and how much of a true friend are they?

So often I hear people calling someone they met in familiar circles but have a good working relationship ”my friend”. They do not spend time at the person’s home, go golfing with them, and maybe not even know their children’s name(s). How quick do you call a person a friend, and how much of a true friend are they? If you were in a jamb at 3am in the morning will they get out of bed and come to your aid, loan you a sizable amount of cash, or let you use their AAA, etc.?