In my case it's because often even the slightest bit of humor or attention or willingness to play along with the bit gets me way more unwanted attention than I bargained for. If I respond like a person wanting to have a little fun with another person and it gets me treated like a thing they can now win and possess, the genuine human interaction has been tainted by the implication that it wasn't genuine, there was always a motive and, because I played along, I'm now not a person to be interacted with, I'm a thing to be owned. I'd rather just not do the thing if that's one of the possible outcomes. And yeah, that's why I tend to not go out anymore.
I try not to blame individuals for the failure of systems, especially ones as exploitative and damaging as capitalism. Why blame the people who can only afford the cheapest toilet paper when you could blame the corporation that made the cheapest toilet paper clog toilets? The people with the least money have the most negative repercussions. How are they supposed to know it clogs toilets without having to learn the hard way? Why wouldn't you assume that toilet paper would all be equally safe to flush no matter how cheap it is?