person A: For some dumb reason I used to think that hobos were mystical and wise and believe everything they said...now I take everything I hear from a person broker than me with a grain of salt
person B: Interesting! I could see how you thought that. Just because they're homeless and have fallen on hard times doesn't mean they're dumb. But yeah_comma_ there's a good chance they did something wrong to be in that predicament_comma_ so their judgment could be questionable. 
person A: I never said they were dumb.  I just don't trust them
person B: You're right_comma_ sorry for putting words in your mouth. And yeah_comma_ I don't know how to engage with them either. As a college student_comma_ there are plenty that kind of stalk the campus and ask for spare change. But I have little spending money_comma_ so I always have to turn them down