Oh OK then
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You should've just said no. You didn't owe her anything
given OP's username, i think we can guess whether the lady got the five bucks or not
You don't owe anyone anything, not even an explanation. You could have just said No instead of trying to justify it.
"Sorry I don't have any cash" usually works. Idk why OP felt the need to prove he didn't have any cash by showing the woman his empty wallet. So yes it's kinda his fault. And I personally would've felt obligated to give it to the woman once she saw the money because otherwise you just look like a huge douche.
He doesn't have any obligations to pay her. If he gave that money, it would be a really kind gesture. But even if he didn't, nobody has the rights to say anything to him
Keywords
You could've just said no in the first place, without showing her your wallet.
Life's not so bad when you can forget you have money in your wallet.