I'll tell ya what bugs me the most about panhandlers. It's that I have a lot and hate to give any away. Then I feel guilty that I don't share, and spend hours, days, months justifying my greed.  I'm at the point where I'll adopt nearly any philosophy or political viewpoint to vilify those who remind me of my selfishness.  I wish there was a law that would restrict those human reminders to somewhere out of my view so I could feel better about myself.