Have you ever been insulted by a bum before?

My friend and I were waiting for a train in San Francisco a couple of years ago, minding our own business, when a bum paused briefly to address my friend with the line, "Nice shirt buddy. Did you get that from k-mart?" before shuffling off to urinate on a wall, no doubt. We're English, and not being used to such random rudeness from strangers, my friend was quite shocked, before I pointed out the irony of having his fashion sense insulted by a man whose trousers were held up with rope.