Ralph sings slightly different words on his live video
Met a young woman handed her a quarter
she said young man, I'm a rich man's daughter

Met a young woman , put a dollar in her hand
she said young man, now I understand
tell me how long did you have to wait

I wonder if any other folk song fans other than myself have noticed that Putty Nose is singing Hesitation Blues when JimmY Cagney shoots him in the 1930 film called Public Enemy

To this I attribute the confusion about the words!