Imagine this. You're homeless. You're walking down the street minding your own business, when suddenly you spot something on the ground that catches your eye. You move closer so you can positively identify what it is, and yep, sure enough, it's a credit card. Your mind races thinking of what you could do with it. You could turn it in to police. You could try to use it to buy food. You could use it to buy some clothes, or perhaps some shelter. Nah, that might actually make some sense.