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If a guy asks me for $20, then I'll tell him to get a job, but if he tells me to give him my wallet/money/$h!#, etc, then I'm at least getting a hand on my weapon and yelling to draw attention to the situation. Anyone could ask you for change/$5-20, but only someone who is a threat would ask for more in my opinion. I can't see an unarmed guy asking for much...
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