Without formal refuge?

An unknown contributer wrote >Imo a yogi (homeless) without formal association is more likely to be assumed to be an outcast holding wrong views, unable to get along with 'the contemporary masters'. Therefore it will be difficult lest one makes a living recycling stuff or otherwise gets the money. How about a layperson. How will he/she be assumed if unknown, without face, name, without formal refuge and renewing? Whould't he/she not merely need to live just from recycling stay, or from improper ways to gain the Dhamma? Maybe worthy to give reflective answer. *[note that this isn't giving for trade, exchange or stocks but toward release from a wheel]*