Riddle: A purveyor of baked goods is approached by a man with a very low I.Q. who wants to buy some of the baker's creations; however, the man with the low I.Q. has no credit or debit cards, no checks, and in fact, doesn't even have one red cent in his pocket to buy anything, so he is flatly denied any of the seller's goods. Who is this dolt who is trying to get something for nothing?
Answer: Simple Simon met a pieman going to the fair. Says Simple Simon to the pieman, "Let me taste your ware." Says the pieman to Simple Simon, "Show me first your penny." Says Simple Simon to the pieman, "Indeed, I have not any."