It is good to be polite when saying no.
A homeless man walked up to Jake and asked him if he had any spare change.
Jake wants to respond the the man.
Jake tells the man that he doesn't but that he would if he had some on him.
Jake tells the man that he wouldn't give him any change even if he had some.
The man's a little disappointed, but he's glad that Jake was nice about it.
The man's feelings are hurt, and he starts to become depressed.