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Ain't No Bum
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Are you a bum if you're a McCoy?
Look it up. No matter the source, you will find a bum defined as a lazy, inferior, worthless person.
Ask the notorious Frank McCoy and he will profanely tell you that you have no need to look up the definition. Instead, just use his son Milt McCoy as the standard for what you can expect from a bum.
Is Frank's harsh condemnation wrong? If you ask Milt's mother, Bess, she would snort and cackle out an agreement with Frank. But if you asked any of the townspeople ...