'chai' should be interpreted as a generic term for tea, however in today's world it has become synonymous with the (yummy) milky infusion of tea, cardamom & other spices that is Masala Chai.
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Chai Wallah can be a good friend in hard times. I miss the old Haji who made tea for me every morning back in Singapore.
Such good tea...
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Chav is, well, someone who probably won't be painting much lead this year. Although I could be wrong on this account. If they did paint, then I think they wouldn't be much of a Chav in the first place.
A pejorative is such an ugly word.