Specifically, it's someone aroused by prepubescent children.
> More specifically, it's someone who acts on those desires.
No, someone who acts on those desires (for underage children, whether a pedophile in the strict sense or not) is a child sex abuser. A pedophile is a pedophile whether or not they act on their desires, and it's possible to act on sex desires that make you a child sex abuser without being a pedophile at all.
> If someone goes to lunch with a pedophile, knowing they're a pedophile, to try and get $60,000, they're morally corrupt.
I disagree, whether using either the actual definition or yours of “pedophile”.
Now, if you know that he's a child sex trafficker (and thus that in some way the funds would originated from the sexual abuse of children), then, sure, there's a good argument.