Applause, Sue!
Unless you take the
only seed pod, or one of very few, you aren't hurting anyone and you are spreading flowers around.
You might keep a few Ziplocs in your pocket, with your "best of saved seeds", with pretty labels. Then you could offer them when you ask if you deadhead some flowers.
A really classy touch would be if some of the labels said "multiplied from seeds donated by <neighbor's name>."
The old DG had threads where people talked about snatching seeds
and cuttings from roadsides, public places, and you-name-it. And entire plants from dumpsters!