how not to spare change

Yesterday after giving E a ride to the courthouse we were in midtown stopped at a red light and someone spare changing came up to Ming's window.  When Ming said he didn't have any money, the guy said he takes Visa, which made Ming laugh.  Then the guy asked for money more and called Ming a liar when Ming said he didn't have any.  He was kind of yelling at Ming, and I was uncomfortable.  Then the light turned green, someone behind us honked, and we drove off.  The encounter was over.