If that happens to you on Amtrak, politely decline. If the person persists, immediately inform a crewmember, and also ask to be reseated away from that person, perferably in another car. No one should have to tolerate that sort of behavior aboard Amtrak...You are the second person who has reported people hitting them up for money in Coach. I would be unspeakably uncomfortable if that happened to me! It happens on the subway, but I didn't expect that on Amtrak.
I'm riding the southbound Crescent later today and it is supposedly at 90% capacity. I'll let y'all know how the Covid precautions are.