The term "Bum" is a common slang used to refer to someone who begs for money, often seen as homeless or destitute. It can also be used in a more casual sense to describe an unfortunate event or situation.
Usage examples
He is such a lazy bum, always lying on the couch and never doing anything productive.
The homeless man sat on the street corner with a sign that read "Please spare some change for a poor bum."
I accidentally sat on a wet bench and now my pants are all wet and I have a wet bum.
She got a sunburn on her bum after spending hours lying on the beach without sunscreen.
The kids giggled and made fun of their friend when his pants ripped, exposing his bum.
Or that somebody would judge another person because they choose to be a beach bum in paradise for half of every year. (ordinarytraveler.com)
I think I might purposefully quit a well paying job to be a tennis bum in the park all day to put some spending responsibility fear in my spouse's heart! (financialsamurai.com)