A big heart or an utter dumbass(I'm thinking the latter)

There are a few of you who are used to city life and all the baggage that comes with it, no parking, big buildings, lots o traffic and most importantly ..... people constantly begging you for MONEY. So here are some stories of my interactions with the "homeless" .......(I put quotations b/c I really know nothing of the common beggar on the side of the street i assume he's homeless or maybe he's hooked on drugs or maybe he's a billionare who just thought it'd be cool to get free money)

So me and 2 friends from highschool are eating at Quiznos and this guy walks in and says hi and puts his hand out so of course being the dumbass that I am I shake his hand. His hand was very sweaty and there was no firm handshake(guys, you know what i'm talkin about). So I proceeded to eat with my left hand while this guy blabbed. He told us that he just got out of the Cooper Green Hospital Psyche Ward(B'ham and UAB is well known for their medical program and we have like 8 or 9 different hospitals all linked together downtown and cooper green is of the shittiest and ppl with little to no income go there). He asked us several times if we could help him out. Then he asked for money and I was like I just have plastic(in my mind I was like yes, now he'll leave). Then he was like could u get me a taxi? And B'ham is no New York, more like Ithaca where you have to call a taxi, so i was like no sorry. (To be stereotypical) He said,"C'mon nah help a brotha out". I was just like sorry and he stormed out. What would YOU DO?

Here's the biggy. I'm low on gas and stop at this BP station right outside of downtown. I'm pumping and this one guy(black no doubt) is on a cell phone and calls to me while i'm pumping and I, of course, ignore him and act like a didn't here him. Once again I get the handshake which obviously is a symbol for I want some money bitches. He asked me for my name and being the dope that I am I say,"Teddy". He 1st asks for some money for gas cuz his car broke down, down the road. Once again, all I have is plastic(chu ching), but no. Well could ya take up to tha bank? I was already running late for this thing for Marching Band. After I sigh and start shaking my head he pleads with me and says,"I work for Dawson Memorial Baptist Church, i'm a janitor plz oh plz." Then I said yea. I like threw my ipod(350) and my cell phone(200) in the back and new nothing of this guy or his true motives. So I drove him up to a bank about 5 min away and then he asked if I could drive him back, I said no thank god I finally grew some. Did he go into the bank? NO he stood outside and talked to one of his friends and told me that i left my gas cap off, did he close it? no just told me.

What do you guys do, David, Robin, Minyang and other city-dwellers. From now on I'm just gonna say a stern NO. Would you guys give a random person u've never met a ride to the "bank"?