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I've been couch surfing homeless before and that was rough enough. People begging for money have it way tougher. Just because there might possibly be someone who has a house and a car behind for money doesn't mean it's a scam, they might also be desperate for money despite having those things.
Begging for money isn't very lucrative.
If you have the cash and want to help, go ahead and toss that starfish, but if you don't want to don't pretend you're taking the high road.