It's a bigger problem here that you might expect in a small city:
https://www.cbc.ca/news/canada/newfo...lers-1.5313551
I just walk by with a smile, if they don't say anything.
If they ask for change, I say I only have my card. Most of the time it ends there.
If they follow up with something like, "The bakery takes cards." then I buy them a coffee or whatever because I respect the hustle lol.