If a "bum" asks you for some change or spare cash, just tell them "sorry, all I have is plastic" (plastic = credit/debit card).
Yes, it's usually a lie, but it's a lie that's easier to get away with than "I don't have anything," and it's certainly easier than saying "no, I don't want to give you anything."
Oh, and before anyone says "why would you tell them that you have a credit card? That's not something you want them to know".....if you're worried about that, you're walking through the wrong neighborhood.
Yes, it's usually a lie, but it's a lie that's easier to get away with than "I don't have anything," and it's certainly easier than saying "no, I don't want to give you anything."
Oh, and before anyone says "why would you tell them that you have a credit card? That's not something you want them to know".....if you're worried about that, you're walking through the wrong neighborhood.