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If a scene or subject is way too cliche, and I mean so overdone that every shitsnap flickr page by a nerd with a 50mm+rabal who thinks he's the next HCB has a picture just like it, I probably wouldn't even lift the camera up to my face.
I also generally avoid pictures of the homeless because exploitation but I make an exception if a homeless person comes up to me or does something interesting, since that way I'm photographing the person, not his homelessness.
Other than that, pretty much everyone is fair game.