As I said, Tom's impressions and recollections may not be entirely accurate. He was obviously very, very, very, very, very upset by this. Exactly what is the difference between asking and demanding? Demanding is a COMMAND. "Can I have some money?"= ask. "Give me some money."= demand. Which was it, actually?
Also...it was his wife who was asked. Did she react calmly? Or did she react with anger and/or hysteria, which Tom is justifying after the fact by amplifying what the panhandler actually said to her?
In my (frequent) experience and observation, no panhandler DEMANDS money, because that's a certain way to be refused. I think what actually happened was: a panhandler asked Tom's wife for money. She got very angry. She reacted strongly. Tom is defending her reaction. And I speculate that the reason he's not dropping it is because she's pressuring him not to.
Here's why I think Tom's not telling things the way they actually were. He said "a second panhandler" approached her. How did he know that that person was also a panhandler? Or was he assuming that? Did he actually find out why that second person "was approaching" her? Maybe he was another casino patron who wished to play a slot machine in the same bank. Tom assumed he was allied somehow with the panhandler. Based on what?
Anyway, only Tom and his wife know what really happened. I just doubt his version of events. But I am certain that he decided to make far too much of this and he and his wife would do best to just let it go.