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You're beyond overthinking this one boss. Kindness keeps the world from falling apart.

Keeping my answer short, you can only ever be responsible for the decisions you make and the actions you take.

If you have the ability and willingness to help someone out, I personally don't see why offering would ever be a bad idea.

Overthinking

Dont automatically assume ahe's waiting for a bus and would love a ride. She may be waiting for her boyfriend, parents, uber, drug dealer or something else

She or a friend may have have experienced a kidnapping, sexual assault, robbery, or something else one time they accepted a ride from a stranger

She may just not be trusting of strangers who offer rides.

Dont automatically assume it has to do with you when someone turns down a ride