They're aren't too bad where I live. Outside the grocery store I'd frequent once there was a young man stretched out, and rolled up in an electric blanket asleep on the sidewalk. The blanket was plugged into an outside store electric outlet.
Another time outside the store as I entered there was a woman with a young child. The woman had a sign asking for money. Imo that was child exploitation. Inside I asked around how long she had been there. That was the first time they had seen her. I complained and threatened to call the Department of Social Services. I didn't. And the next time I was at the store she wasn't there. When I asked about her I was told that had been her only time there.
There used to be a guy with a dog and sign along one road at a traffic light. He was in a difficult place to beg because he was on the opposite side away from the driver's side. But he's been gone for awhile.
When I have been approached I tell them the address of the local welfare department and of the Catholic church.