I used to live in a major city with no car and only public transit and my feet to get around. I saw a shitload of pan-handlers, many of them regulars. Back then I rarely gave much. I was a broke kid, and I was kind of annoyed at the constant stream of disingenuous lies told to my face in an effort to get my money. Then I grew up and realized that begging on the streets in the cold while battling mental illness, addiction, or depression sucks more than me not having a latte, so I usually help out if I've got cash on hand. I already say 'hey' or nod, whether I'm gonna give money or not, unless I'm with a group then I notice I don't as much. Still can't quite manage to give the gutter punk couple with the dog in tow anything though. Anyway, I don't feel bad when I don't give, but I give more than I used to.