No, no... This is a really bad example and no inferences should be drawn from it. I am from San Francisco. There is this "thing" or attitude there of being "too cool to need an umbrella". It's like, "It rains a lot. You get wet. Get over it".

For maybe 2 decades I did not own an umbrella or a rain coat. If a stranger offered me one, *I* would refuse it - but not because I thought there was a catch or would not take something for free, but becuase a true San Franciscan disdains the notion of an umbrella...