Woman comes up to me on the platform while I'm waiting for the train and asks to use my phone. She's well-dressed but I still say, "No". Not because I want to be a jerk but because if she takes off running, I'm the one who will wind up being arrested, plus I'll definitely miss my train if that happens. And yeah, that probably wouldn't happen, but it's New York, so it certainly could. Also, yes, my phone is password protected, but she doesn't know that, and in any event, iPhones get stolen every day.
But now I feel like a jerk.
Question: Was I wrong?