I don't like the term "panhandler". It carries with it a judgement that ,"beggar" doesn't. A beggar might be a phony who is exploiting others, and doing quite well, or a desperate fellow human who in a terrible situation. You try to judge which, and maybe get it wrong or get it right in either direction. But the term "panhandler" makes that judgement for you without thinking about it. It labels the beggar as a con merchant, and the only judgement s whether perhaps they are clever of funny enough to be given a handout.