Re: Loss of income? Inconvenience?
For info:
https://www.gov.uk/police-powers-to-stop-and-search-your-rights
They should have probable cause and they can't arrest you just for refusing to answer questions
"You don’t have to stop or answer any questions. If you don’t and there’s no other reason to suspect you, then this alone can’t be used as a reason to search or arrest you"
The only reason they could implement a stop and search without cause is if you happened to be in an area that was being targetted due to something else going on (and that has to be authorised at senior level)
They know this but they rely on people being ignorant of their rights