Not to mention the opposite: get rude enough with a panhandler and you might turn a non-event into a shooting.
In my book, there's no issue here.
If something like that happened to your daughter, how would you teach her to react?
My daughter is in her early thirties, and I taught her how to react many, many years ago. I taught her to be kind, to be polite, to give money if she felt like it and that there was almost never anything there to fear.
What did you teach your daughter?