1.) One who is void of talent and tact. Loser or lay-about. A generally worthless human being.
2.) One who washes nickles for employment.
1.) "That no good nickle washer stole my wallet."
2.) "Until this economy picks up, I've had to become a nickle washer to pay my bills."
It is used when someone is wearing a mask. It is the opposite of rat licker.
Also it is a synonym with cloth smoocher
Bob is a nickle licker and he is a good citizen