In all honesty?? No, I have not. But we don't have panhandlers where I live. I pull people out of ditches all winter long. I always stop and ask if help is needed if I see a stranded or stalled motorist, whether it be a young kid with all the strength in the world or a scared old lady trying to get a spare tire on. I'm from rural America, that's what we do.
So if you are in the city and see a guy on the corner?
And don't play the rural america card...I grew up rural and I've lived city and I have met just as many self serving pompus pricks in the country as from the city.