In nice weather I like to exit the train one stop early and walk the rest of the way to my office. Of course, this is downtown with all the eccentricities and local color of any big-city downtown.
A man was stretched out against a building, smoking, and holding out a cup of change. I gave him wide berth, as I'm very sensitive to smoke.
"Oh, if only I had the money to quit cigarettes!" Shake, rattle...
Bonus points for quick thinking. No money, but bonus points.