We were going to call this one "Solicitation Mistaken For Help", but this is snappier. Basically, when a given character needs help (a place to stay, whatever), is approached by a prostitute who speaks with perhaps too much metaphor, and thinks her solicitation is an offer for assistance. See also Platonic Prostitution and Accidental Innuendo. Examples of Need a Hand - or A Handjob? include: