Must I give money to panhandlers?
The short answer
No. There is no obligation to give money to panhandlers, especially those who don't appear to need it or who might waste it. If you support the Church and give to reputable charities, you can gently decline without qualms — and offer shelter information instead.
No obligation
You are not obliged to give money to panhandlers, especially to those who don't seem to need it or who seem likely to waste it.
An alternative
If your safety isn't at risk, you could politely offer information about the nearest homeless shelter. If you meet panhandlers regularly, ask a shelter for business cards to hand out instead of money.
A clear conscience
If you meet your obligation to support the Church and give to reputable charities, you need not hesitate to gently decline requests for spare change.