Jack - "What!? The hot penny trick? It's a little something called a practical joke, I wouldn't expect you to understand"
Sue - "I don't see anything practical about it!"
Jack - "He kept the money didn't he?"
This is done under the assumption that the person will keep the penny out of a desperate need, but they're more likely to throw the useless coin back in their face, pull them out of the car and smash their head against the pavement.
Driver: no, but I've got this. (does hot penny trick)
Homeless Person: Fuck that shit, eat the curb, dumbass!