let's look at it this way, depends on your mindset
when approaching or being approached by a "homeless" person on the street asking for money do you?
a) give him a couple of bucks b) give him $5 c) give him $10 d) oh dammit, I've gone totally plastic, I'll give him the $25 gift card I just bought for my niece.
when approaching or being approached by a "vagrant" on the street asking for money do you?
a) offer him a ride to the soup kitchen b) offer him a ride to rehab c) offer him $20 for raking leaves in your yard for a couple of hours d) keep walking because you already know the answer to a), b) and c)
So...this poor guy, with a gun, needs your wallet, watch and car keys worse than you do and you willingly hand it all over. Then this crack head, jerk pops you in the belly anyway.