"Maybe he wasn't a bum, then. He was the only other person in the station. He smiled at me, even." Why were people jerks? It stood to reason that the sexy man was a bum, because he was stealing her money. Why didn't he have a job, or parents, that gave him money? The very idea that he had to take hers gave her the distinct impression that he was poor. And very possibly homeless. But he'd definitely deceived her by being all sexy and smiley and then elbowing her in the face.
"Everyone is going to laugh at me, aren't they?" Pink eye was sort of disgusting. If anyone asked, she was so not going to say that was her issue. They'd laugh even more. "Why haven't you laughed at me? You hate me. Why are you helping me?"