First off, I don't see anything disrespectful with the OP's description. I'd have said, "Yeah, I'm getting divorced and these cards are going to deactivated by 5P today". Not everyone on the street is an ahole, and some just want to make a connection with people. I think it was nice that he even made an effort to relate to you. Sometimes I'm in a mood when I don't want anyone to talk to me, look at me, smile at me, etc. But if someone does, I recognize it's *my* issue and try to be polite and courteous back.
As for the gym scene, ewww. I have an even worse one. I was at the gym and got into the hot tob. I was in there for about five minutes when one of the guys got out and he had a COLOSTOMY bag attached to him. I was so sickened by it, and probably overheated by then, but I literally vomited. I reported the guy to the gym and made a big scene. Looking back I sorta maybe kind sorta felt sad for the man, but COME ON! A colostomy bag in a public hot tub?! Just yuck.