I'm gonna get you sucka

So I guess I must have SUCKER tattoed on my forehead. I have a gut feeling about things. For example over the summer when I lost my job and then they found money and reinstated me. I had a gut feeling it would work out. But last night's gut feeling was that this is wrong.
Going back to my beliefs as a Christian, I think everyone deserves a second chance. And that we should help other people. Okay now that you know two of my basic philosophies I'll tell the rest of the story ( as Paul Harvey would say ).
I was approached in the driveway by a guy that I recognized as living in my neighborhood. Usually he is pushing a mower and offering to mow yards, but since we haven't had any measurable rain in 2 months, nobody needs their yard mowed. (Not that we ever allowed him. He's also tried to get gas for his mower from us and I had to be rude to get him to leave, but still he returns.) SO I guess he was trying to cook up a different way to get some cash. He and his "nephew" aka a young school age kid were working the neighborhood trying to "raise money" for the local school fundraiser. I have been with this system 10 years and know that for 2 of the schools I've worked at checks for fundraisers were made out directly to the PTO. This guy wanted me to make it out the boy for $3 more than the item I was buying and I would get the difference a week from Fri. when he delivered my product. So my gut was telling me - NO WAY. But then my head starts in telling me "Maybe the school has to cover a lot of bounced checks and they add the cost to make sure it clears." Well, I should have gone with my gut. I called the school this morning. Then I called the bank and put a stop payment on the check. Now I will be religiously checking the account online to make sure he isn't check washing or doing something else with our little bit of savings.
If I could just say NO then this would not be a problem. Is this a reminder not to trust people or that I need to be stronger? Some day I'll learn.