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I've had a homeless person ask me to send them money with Zelle before. I told him my bank doesn't support Zelle (which is true) and he was confused and asked me to double check... That whole situation was awkward.
I've stopped giving excuses as justification for people asking for money from me on the street. I just say "no, sorry" and keep walking. I think it's the most respectful thing I can do. I'm not going to give them money, so the best thing I can do is also not waste their time trying to weasel my way out of it.
Hmm, I guess. I offer them food if I have some. If they get insulted then it's their loss
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