crafty
獪 centers on craftiness: a sly, cunning, or wily nature, often associated with animal-like cleverness.
獪 combines 犭 (beast, animal) with 會, which likely contributes the sound and the idea of meeting or cleverness, suggesting a crafty, animal-like intelligence.
A beast 犭 that meets 會 with sly intelligence: picture a fox cleverly outwitting others.
For カイ, imagine a crafty kite (カイト) flying high, watching for opportunities: kite -> カイ.