When I was in uni I was heading to the train home. A homeless woman approached me and started talking. I took out my airpods and put my iPhone in the pocket and asked "what, didn't hear you, had my earphones in". Can I get some money for the train? "Ah no sorry, don't have any money I'm broke af" but you have nice airpods and an iPhone, nice shoed etc you have money! "You see, that's why I don't have any money, Klarna you know" she was flabbergasted and didn't know how to respond. That was the first time of many she asked me for money for the train and evertime for a different destination, and many of them didn't even go from the station or be on the other side of the country.