I usually explain in some unique manner about maybe 'read the wiki', 'search the forums', and 'play the damn game.'

Depending how they asked for the cash, depends on just how 'unique' the reply is.

Nine times out of ten it's "sEn Dm e monn iesssssssss11ss111" so you can guess what they get back, and usually I don't wait for a reply before blocking them.

If they throw in grammar, a please or ask about the loan, I let them know that begging is against the rules, etc, what they need it for (if it's for a bank, meh, if I got it in hand, I'll send what they need if they aint sitting on 40k), advise how they can increase profit, explain how usefull they can be via items running, etc. Usually these guys are alright, so I will help them out a little bit, but not all of them, usually depends on my mood, but every time I give a level 1 guy cash I end up finding them banned or sitting on a goldmine shortly after.....