I think there are genuinely poor, down-and-out, people who seek the help of others on the street . . . and either for health, mental issues, or social issues, are unable to work. They are the "homeless" . . . and survive on the good-will of others, and organizations.
And then, I think there are those that have the health, skills, and emotionally stability, to be able to find a job and keep a job, but they prefer the carefree lifestyle of a panhandler.
And there are those who panhandler by offering a service - a song, a window wash, or whatever.
Some are honest, some are not. Some are what they appear to be, and some are not. Some ask for money to get home (as in a subway) and others ask for enough for a "cup of coffee". Some have no intention of spending their money on coffee. But if I give, it is not mine to question or judge, but it is my choice to go and buy the coffee or a meal.
I live in a smaller community. Most of our "panhandlers" are the same consistent ones. They are either subsidizing their money allotment from social services to purchase extra items, or they have run out of money for the month and need it to live on. There are some who are only looking for a cigarette.