DH used to commute into Philly on the train and always had some change for the homeless guys he passed. It was a rotten winter and one day he heard two of the guys talking: "Let's go!" "No man, I gotta get my coffee money." He gave them the change and they took off, so clearly he was the 'coffee money'. Years later he was back in town for a job interview and stopped at a small diner for lunch. He ordered, then heard shouting in the back: "He don't pay! That guy don't pay!" Turns out that it was the homeless guy who had waited for his coffee money; he was head cook and part owner of the restaurant, and he told DH that the small change had kept him going that winter until he found the job at the diner.