It’s the morning after Valentine’s Day. We had a fabulous dinner at our favorite restaurant: a complimentary Kir Royale, a 7-course tasting menu, and wine paired to each course. A gustatory extravagance. We didn’t get to sleep until well after midnight, and I overslept, and now I have a headache and I’m running late and of course the car is almost out of gas. I pull into the Shell station around the corner (I know, I’m supposed to go to Hess because they give more political money to Democrats but, see above, I’m running late).

Just as I’m finishing up and pulling the nozzle out of the tank, he comes up to me. His car is idling at the pump on the other side of the island. He’s wearing sunglasses and a baseball cap and he ambles — that’s the only word for it — over to me, and heartily wishes me a good morning and a Happy Valentine’s Day. I’m wary but I return the greeting. He introduces himself: his name is Mike. I replace the gas cap, tell him I’m Matt, and head towards my door.

“Matt! I’ll remember that: M&M’s, we have the same first letter.”

Then he launches into his story. It’s windy, and his enunciation isn’t perfect, but I get the gist. He lives in Newport. He’s out of gas. He lost his wallet. He wants some money for gas, and suddenly, I’m flashing back to San Francisco, six years ago.

I’m 23 or 24. I’m in San Francisco for a week, sent out by my company to work on some ridiculous software project that we shouldn’t have started in the first place. The customer is pretty crazed, and we’re all working 10-hour days. I have a cold. My dad’s in the hospital. I’m tired, sick, and I want to go home.

Actually, all I want at this point is to get to my hotel, which means hailing a cab. I really, really suck at hailing cabs. It’s stressful and terrifying and part of why I don’t live in a real city. Whenever I’m in New York, I have to have someone else get the cab for me. It’s pathetic, really. Once Rachel and I were in New York for a romantic weekend to see a Broadway show (Ragtime) and we started walking from the theater to our hotel when we realized it was fricking freezing out and we were stupid and should take a cab. I made a few half-hearted attempts to get one on my own, and then guiltily slunk into a line for cabs outside some random hotel and let the doorman hail one for us. Not my proudest moment.

So anyway, I’m standing on this corner in downtown San Francisco, sniffling, hungry, and exhausted, when I see this guy walking towards me. He’s tall, well-dressed, African-American, and striding down the block with great purpose. He greets me, asks if I’m from around here, and launches into his story. I can’t remember the details, but you can probably guess the broad outlines, car broke down, wife’s sick, lost wallet, needs money for repairs, etc.

Right away I can tell it’s a scam. His patter is too good. He even slips up once — even after I told him that I’m not from San Francisco, he still says the line, “I don’t have AAA, and your police are no help.” Your police. If he was telling the truth, if he was talking off the top of his head, would he have made that mistake? I didn’t think so. But somehow I find myself taking out my wallet and giving him $40 anyway.

I don’t know why I did it. No, that’s not true; I know exactly why I did it. I was tired and miserable, and didn’t have the energy to make a scene or argue with him. I remember he took my business card, like he was going to somehow pay me back or something. I finally went back inside, called a cab company to come pick me up, and finally made it into bed. I felt like an idiot. I felt like even more of an idiot a few days later on a shuttle to the airport, when I heard the two guys in the seat in front of me talking about being approached by the same guy with the same story and telling him to get lost.

So back in the present day, Mike’s asking for money, and I’m not going to give him any. I start to stammer out excuses. (Literally. I know that’s an expression people use, but I actually began to literally stammer out excuses.) I had no cash on me. (True.) I was running late. (True.) I was really, sincerely sorry I couldn’t help him.

“You’re not sorry,” Mike said, walking away in disgust. “If you were sincere, you’d help me out.”

I got in my car, and I drove away.

And Mike was right. I thought about it on the way to work. I decided he was scamming me, and so I turned him down. He asked for help, and I turned him down. Maybe I was right, and it was a scam. Worst case, I’d be out a few bucks. But what if I was wrong? The worst case for him is a lot worse than it was for me.

I really hope he got home.

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