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Joanne Mitchell, 60, and an acquaintance panhandle at a subway entrance at Union Station.

What would happen if, instead of spare change, you handed a person in need the means to shop for whatever they needed? What would they buy? Can you spare your credit card, sir?

In New York City, an advertising executive recently handed over her American Express Platinum Card to a homeless Manhattan man after he had asked her for change. The man, who had been without home after losing a job, used the card to buy $25 worth of deodorant, water and cigarettes. And then he returned the card.

Concerns over the wisdom of sharing of credits cards and credit card fraud aside, the unlikely encounter became a talking point — a feel-good story about, as the New York Post put it in a headline: “A bum you can trust — honest!”

Is that such a surprise?

Over the past two weeks, I wandered Toronto’s downtown core with five prepaid Visa and MasterCard gift cards, in $50 and $75 denominations, waiting for people to ask for money.

When they did, I asked them what they needed. A meal at a restaurant, groceries, a new pair of pants, they said. I handed out the cards and asked that they give them back when they’d finished shopping. I either waited at a coffee shop while they shopped or — in the case of those who could not buy what they needed nearby or were reticent about leaving their panhandling post — I said I’d return on another day to pick up the card. That’s when I would reveal that I was a journalist.

Some were unbelieving at first. All were grateful. Some declined the offer. Some who accepted didn’t come back, but those that did had stories to tell.

Early afternoon on Queen Street West. A young man with a short orange Mohawk haircut and a Superman tattoo on his left shoulder sat alone on the sidewalk, a skateboard at his side. A song by Michelle Shocked comes to mind, in which she asks: “What’s it like to be a skateboard punk rocker?”

Tight.

His panhandling sign read: “Too ugly to prostitute. Spare some change.”

I asked him what he needed.

“Food would be nice.”

“Can I trust you with this?” I said, handing him a $50 card and telling him to buy what he needs, but that I need it back when he was done. He nodded and scrambled to his feet. He said he would be back in a half-hour.

He came back right on time, slurping from a large McDonald’s soft drink cup — root beer — and with sweat on his brow. He wanted to have pork and rice from a Vietnamese noodle joint on Spadina but they wouldn’t take the card. So, he scrambled to McDonald’s. Lunch was a double quarter-pounder with cheese.

He handed over the gift card, having spent $8.69.

His name is Jason. He’s 28, has brown eyes, a wide smile and good teeth. He has been on and off the streets of Toronto since he was 14. He grew up in Northern Ontario. His mother, he said, is a drinker and his dad died last year.

Now, he is homeless, living with friends or at a “secret spot” on the streets, but is waiting on an apartment. “I just got a POA for welfare,” he said. That’s a promise of address. He wants to get his driver’s licence and a job as a courier.

On a good day, he takes in $40 to $50 through panhandling, most of which he spends on communal food for friends. Of his most effective panning signs: “Like Obama, I like change,” and “Smile if you masturbate. Spare change if you like it.” He carries his belongings in a knapsack — just a bit of clothing and toiletries.

I handed the $50 card back to Jason to spend the rest as he likes. We shook hands and he went back to his spot on Queen.

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Article courtesy The Toronto Star