Both phrases are quite presumptuous. As if <i>I</i> don&#x27;t know what my cost of living is.<p>This is how much I charge. Thanks for your offer, it&#x27;s way below of what I think I deserve for my services. Nah, I don&#x27;t need a lecture from you on why I should find this generous. Nope, I don&#x27;t care why you make me such a low offer. What does it matter if I can actually find people who pay the rates I charge?<p>The market will balance this out. Thanks for your time, have a nice day.