Since I never carry cash, it’s not a problem for me.
At least when I tell the bums that I don’t have any money, I’m not lying.
I have a business on the main boulevard through town and see dozens of bums a day. When asked if I have some money, I always say “Yes, but there’s no free money here.”
They mostly move on. A few of them are motivated enough to ask if I have any work for them to do. They get a chance to work for an hour, maybe more.