Ma'am,
@Corinne, kindly accept your licks for not staying on topic here.
I fail to see how her post was off topic. Okay, the title speaks about money only. But you wrote:
[...] notice people who don't get their money, food, gas, drugs or clothes [...]
Okay, tap water is very cheap. But so is a pack of ramen for a company like Wal-Mart.
Anyway. Ethics do always matter, in my opinion. Isn't important if you are a homebum or a millionair. But ethics is a very personal concept. What is ethical for me is perhaps unethical for you and vice versa.
I was never in the position (yet) to have to steal or to beg for money. So I theorize here, I admit. I wouldn't have a problem to panhandle, fly a sign, etc. (But that's in no way unethical, I think). When it comes to stealing or scamming ... I wouldn't do scamming and I would steal only if I have to and the consequences for the person/company I steal from would be low.
Example: stealing a can of soup from a large supermarket when you are really hungry and no other option is available isn't unethical in any way I think. Stealing a can of soup from another guy on the road who also doesn't have much more definitely is.
I wouldn't steal money to get food, gas, drugs or clothes. I would search for alternatives to get what I need (asking, dumpster diving, etc.) and if there were no alternative I'd try to steal only what I really need (like a can of soup while starving or a jacket while freezing). And I'd always see that I steal from someone who can easily cope with it.
I very much agree to the words uttered by a catholic cardinal after world war two in Germany (Cologne):
We live in times where the single individual, in his need, ought to be allowed to take what he needs to preserve his life and health, if he cannot obtain it through other means, work or bidding.
Cardinal Frings is eternalised in the Kölsch language with the word "fringsen" (verb, literally translates as "to Frings") which became synonymous for "stealing food" and other low-value consumables out of need. The expression dates back on his New year's Eve sermon which he held on 31 December 1946 in the St. Engelbert church in Cologne-Riehl, in which he referred to the looting of coal trains and the bad supply situation in the grim winter.
(Source:
http://en.wikipedia.org/wiki/Josef_Frings)