Walter Cunningham cannot accept the quarter from Miss Caroline because his family would not be able to pay her back. (Hes exremely poor) Scout explains this to Miss Caroline, that he is a "Cunningham" Since Miss Caroline is new to the town she did not understand and Scout explains to her that the Cunningham's don't take anything they can't pay back. (This happens on Page.20)
Scout is upset with Walter Cunningham because her teacher, Miss Caroline, doesn't understand that the Cunninghams are poor and can't afford lunch money. She is also upset when her classmate, Burris Ewell, insults Walter for accepting charity and being a "coward."
Walter won't take Miss Caroline's money because he feels embarrassed and humiliated by her gesture. He believes that accepting the money would be a blow to his pride and dignity as a man trying to provide for his family. Additionally, he wants to preserve his self-respect and not be seen as a charity case by others.
He says that she's new to the town and to put herself in miss carolines position.
Miss Caroline offers Walter Cunningham a quarter for lunch when she tries to help him, not knowing that the Cunninghams do not accept charity. Scout tries to explain this to her, but Miss Caroline does not understand the social dynamics of Maycomb yet.
Miss Caroline fails to understand that the Cunninghams are proud, hardworking people who may not accept charity or handouts due to their sense of dignity and self-reliance. She mistakenly assumes they are simply unwilling to pay back a small debt, when in reality, they are honoring their own code of behavior and pride.
The Cunningham's don't have any money to pay back, so Walter won't take the quarter from Miss Caroline. Scout has to explain this to Miss Caroline
Miss Caroline offered to give Walter Cunninghm twenty-five cents because she thought he might not have any lunch money. She did not understand that Walter would not accept charity, as his family was proud and did not take handouts.
Walter Cunningham Jr. won't take Miss Caroline's quarter because he comes from a family that is struggling financially, and accepting charity, even something as small as a quarter, goes against his principles of self-sufficiency and pride. He knows his family cannot pay back the debt, so he refuses to take what he cannot repay.
Jean Louise tells Miss Caroline that the Cunninghams are proud people who do not accept charity and may react unpredictably if offended. She explains that the Cunninghams are a poor but dignified family who value independence and self-respect.
Scout's punishment for trying to help Walter is a reprimand from her teacher, Miss Caroline. The class laughs because they find it amusing that Scout doesn't understand the social stratification and expectations of the community, as well as the unwritten rules about how the Ewells are regarded compared to the Cunninghams.
The Cunninghams are a poor and proud farming family in Maycomb. They are known for their strong sense of community and work ethic. Walter Cunningham Jr. is Scout's classmate and his father, Walter Cunningham Sr., is a client of Atticus Finch.
He comes from a poor family, and knew he could not pay back the money if she loaned it to him.