Yes, panhandlers can be annoying, but there are a few things you ought to bear in mind:
About 80% of people living on the streets in any given city suffer either from some form of additiction, whether alcohol, or drug, or from some type of mental illness. Money and resources promised by successive governments both in the United States and Europe when insitutions were closed have never materialized, meaning politicians simply ignore the problem or propose solutions that are ineffective, or outright counterproductive.
It's very easy to dismiss them as just trying to get booze or drugs, and yes, giving money to them may be perpetuating a problem, but not doing anything at all also makes the problem worse. It can also display a lack of compassion as well as being condescending, insensitive and downright selfish. I am not suggesting that people give them money, however It is far better to give money to organizations that work directly with the homeless to get them off the streets and into treatment or lives that are productive.
Another facit of homelessness people don't like to think about is it can literally happen to anyone. Anyone here on this forum can wind up on the streets through no fault of their own. It very nearly happened to me. Therefore, before you stand in judgement, make a snide comment or whine about how obnoxious they are, picture yourself in that position and think what it feels like. Perhaps it might motivate you to become part of the solution.
The customer isn't a moron, she is your wife -David Ogilvy