I'm not going to talk to a lady
Why don't you want to talk to this lady?
I'm not allowed to talk with strange ladies so I don't want to talk to her.
That may be an valid reason. Whoever told you not to talk to strangers just wants you to be safe. It's best to keep your business to yourself and only talk to people you know.
That sound's silly.
It may be hard to understand, but you never know what someone else's intentions are. It a good idea to just use caution around people you don't know.