C and daddy walking down High St:
C: "Daddy, why is that man asking for money?"
Daddy: "Because some people don't have jobs and when they want money for something they have to ask other people."
C: "Why didn't we give him any then?"
Daddy: "Well, because if I just give him money, he might spend it on something other than getting help - like cigarettes or liquor."
C: "So no one can help him because he might be lying?"
Daddy: "Oh no. We can definitely help him - in fact we already have. I already gave a whole bunch of money this year to places that offer help to people who need it. So I know there are places he can go if he really needs help."
C: "Oh. You mean like a bank?"
- C (age seven)