Ladies, I can't stress this enough - if you go out with your girlfriends, no matter how drunk and/or obnoxious they get, no matter how early you have to get up the next day - make sure everyone gets home. The following sounds like an episode of Sex & the City - so much so that I checked Snopes.com to see if it's an urban legend (it's not). And don't try figuring out who it is, none of us know the woman. I know the friend through a friend.
Two thirty-something girlfriends meet after work for a few drinks. One of the ladies gets completely wasted. Her friend (who has to get up early for work the next day) wants to go home and does what any of us would under the circumstances; pushes Drunk Girl into a cab, gives the driver Drunk Girl's address and enough cash to get her home. On the way, Drunk Girl decides she wants just one more drink and directs the cab to a bar within walking distance of her place. She's out of cash though and has to go to an ATM. At the ATM, the man who was (apparently) using it before her says, "That guy over there (points across the street) looks a little shifty. I think he's waiting to roll you for your cash. I recognize you from the neighbourhood and I think it's best if I walk you home. Don't worry, I'll stay about five steps behind and just make sure you get into the house safely."
The last conscious thought Drunk Girl has is, "this is a GREAT idea, what a NICE guy"....
The next morning, the friend who paid for the cab gets a frantic phone call...it's Drunk-now-Hangover Girl who is horrified that she woke up to find the ATM guy in bed beside her. She tells the whole story, as much as she remembers, and her friend tries to make her feel better. "Okay, so you had a one night stand with a guy you met at an ATM. He didn't kill you or rob you so it's not that bad. Could be worse, right?"
It kinda is.
Turns out he's the HOMELESS guy who panhandles at the ATM each day.

By the time she gets off the phone and goes back to her room, her bed is empty. She finds Homeless Guy in a bathtub full of bubbles, surrounded by candles. He's in homeless guy heaven!
Anyway, she says she's gotten to know him and he's not so bad. In fact she lets him store his gear on her front porch. Not quite what's meant by the expression "Charity begins at home" but whatever...