[He's being spared so much indignity by nature of being a stranger. It's very lucky for Joel. Otherwise he'd probably get a hug or something.]

Even I know nothing in life is free, Mister.

[It's a special scarf during some sort of celebratory festival. That means it has value. She's not completely oblivious. Otherwise the vendor would have given it to her instead of agreeing on an exchange.]

I don't have any money, but I can at least start by giving you my name. It's Rinoa.

[And because she's not trying to advertise this too publicly she leans in slightly for the next part, voice dropping to something much less likely to be overheard. Rinoa's not trying to wear a big sign that says "Magical Sorceress Here" on it. Her magic is her business, thanks.]

And if you or anyone you know ever needs healing, I'll be happy to help.