Next time look right back at them and say, "That's alright, I'm a loan officer at the bank. When you come in to refinance your house I'll be sure not to get involved." Good manners are the grease that keeps the wheels of civilization from grinding to a halt. No one gets through life without needing help from someone else at some time or another. Be comforted by the fact that you live where the very next person who came along helped. I've been picked up, and picked up my share of people like you. I've also let jerks step off the curb.