The man licking coffee from his ink-stained fingertips does not look like a prophet of old, a symbol of change, or a martyr of those without voices. He holds no tragic metaphors tucked away in the tattered folds of his windbreaker, or in the stubble that has erupted across his face to conceal the straight nose and once-striking jaw line. He does not make you think of the prodigal son, thrown out to face the world’s cruelty, suffering for a greater cause. For some unknown reason, he makes you think of the plain, placid face of your banker.

Here he sits, facing the brick facade of city building to shield his frostbitten toes from the wind. But what, really, separates this man from Mr. Jones or Smith or Thomas? What has placed him here, on the intersection of death and despair, instead of at a vacation home on Cape Cod, reclining in a lawn chair and wondering what kind of reception his three cell phones get way out here.

What hand of fate has dealt him three-month-old newspapers and arthritis in his hands, instead of a shiny silver Porsche and bumper stickers advertising honor roll students at Silver Falls High?

He does not see you standing there, and unlike the frugal banker, he does not hound you for money. In fact, he barely harbors hope for it. When the wind or the smell or the time drives you from the sidewalk, your day will continue. You will enter your appointed building and shake the stray flakes of snow from your jacket as the cold air is chiseled off. You will have business appointments and dinner plans and coffee stains on your favorite shirt and no small part of your mind left over for this man who represents the cruel beauty of the suffering.

And as he runs his fingers over the smooth quarters you tossed in his cup, he won’t remember you, the wool-coated patron eager to escape his disturbing company for more important tasks. Your passing on the pearl-gray street goes unremembered, as insignificant as the faded newsprint on which a hunchbacked old man lies.

Perhaps at the end of the day some errand will compel you, unwillingly, to your bank. As you step out of your car and curse the cold, no small part of you will recall the encounter this morning. But as you approach the counter, who should sit there but Mr. Jones or Smith or Thomas. And in the instant that his straight-edged features catch you off guard, you see not the man with three cell phones and no reception, who this very morning shaved away every bit of persistent growth with a $300 razor. You see the open-book face, with no secrets to withhold and no tales to tell. The man who has no message for you of redemption or wickedness or the demons that chased him to 15th and Main, but who merely mumbles “thank you” as his ears detect the clanging of coins in a styrofoam cup. And you will stare dumbly at your banker’s pink, smooth face, and he will wonder what happened to you.

And the overburdened clouds will release their load with a sigh, their poetic flakes spiraling down, and a man’s dark eyes, like the knotted bark of an elm, will sting at the sight of them. Another cold night, he will think, as he pulls a blanket over his toes. And his sigh will not echo, poignant and evocative, round the steel-and-glass dome that encompasses him. And your blank staring and your banker’s worried wondering will not shield anyone from the cruel drafts that plague him tonight.

The stars above the city will gleam like the quarters tucked away in his calloused palm and fill him with as much warmth. And all the high-flown metaphors of the ages won’t save his huddled form. It seems that kind thoughts and grateful prayers cannot reach him here at 15th and Main, but only the smooth-faced coins that rattle mournfully in a styrofoam cup.