If the woman on the sidewalk refuses help, do we just let her freeze?

I had a beautiful Christmas, full of laughter and light. But through it all, I kept wondering about the woman on the sidewalk.She is camped out on a busy street just a few blocks from my house in west-end Toronto. She sits on one of those folding camp chairs with her back to a small tree. Her feet rest on a second chair. Layers of blankets and sleeping bags cover her from head to foot.