

Sometimes people use that question rhetorically because it feels polite, viewing it as a small talk precursor to ease in to actually just saying what they want.
I don’t like when people use it as such, because it is insincere, poor consent practice, and low-key manipulative due to the foot in the door phenomenon .
There are tons of legitimate reasons to not be comfortable with the question. Don’t have time, bad headspace, don’t feel comfortable… If they can’t understand that, I try not to care what they think of me.
I guess you could say OP’s wording was a bit rude (stylistically, not in substance, imo). Personally I’d go with a “No, sorry.” or “Sorry, in a rush!” if on the move, and leave it at that as elaboration leaves the door open for them to pry. Either way the question is about whether it’s rude to refuse, not whether the specific example was.
Personally, I’d rather assume OP is chatting/providing more context rather than fishing for sympathy. Many of the comments that say it is rude also say but not if it’s a rando, which it was.